vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: AZ

Complaint narrative:
I have received a copy of my credit report, that I believe to be incorrect, unfair and it appears that the Department of Education is reporting inaccurate information under my Social Security number. I want to clarify that I have not been enrolled in school for an extended period, as I have been taking care of my ill husband, who sadly passed away on XX/XX/XXXX. This situation has greatly impacted my life and financial stability. Additionally, I have not inquired about student loans since my daughter was born on XX/XX/XXXX. She is now XXXX XXXX XXXX. Therefore, the reporting period they have, particularly the XXXX  months following my husbands passing on XX/XX/XXXX, seems both inaccurate and unjust. I kindly request that you investigate this matter and correct the information in my credit report. 
The claims made against me for various amounts reported on XX/XX/XXXX, for accounts opened between XXXX and XXXX finally the last payment that was reported on XX/XX/XXXX is false/incorrect month and year. The specific amounts in question include Acct # XXXX Acct # XXXX Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX, Account # XXXX, Account # XXXX, such as I owe yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Thank you for your attention to this matter.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have received a copy of my credit report, that I believe to be incorrect, unfair and it appears that the Department of Education is reporting inaccurate information under my Social Security number. I want to clarify that I have not been enrolled in school for an extended period, as I have been taking care of my ill husband, who sadly passed away on XX/XX/XXXX. This situation has greatly impacted my life and financial stability. Additionally, I have not inquired about student loans since my daughter was born on XX/XX/XXXX. She is now XXXX XXXX XXXX. Therefore, the reporting period they have, particularly the two months following my husbands passing on XX/XX/XXXX, seems both inaccurate and unjust. I kindly request that you investigate this matter and correct the information in my credit report. 
The claims made against me for various amounts reported on XX/XX/XXXX, for accounts opened between XXXX and XXXX finally the last payment that was reported on XX/XX/XXXX is false/incorrect month and year. The specific amounts in question include Acct # XXXX Acct # XXXX Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX, Account # XXXX, Account # XXXX, such as I owe yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Thank you for your attention to this matter.

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 2024-09-01 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: OK

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint for the following dates ( XX/XX/XXXX and XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXXXX/XX/XXXX - - Inquiry In Dispute Derogatory Items Derogatory Items : 1 Account Name XXXX TransUnion XXXX Issue Action XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ).

In Dispute I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

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 2024-09-01 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX  - - Inquiry In Dispute Derogatory Items Derogatory Items : 1 Account Name EQUIFAX XXXX XXXX Issue Action XXXX XXXX - XXXX XXXX XXXX XXXX Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ).

In Dispute I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: VeriScreen Inc.
State: NC

Complaint narrative:
There is inaccurate information on my report that has is being reported as valid. it is not. it is unlawful and unethical to report inaccurate information on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reported accurately. I have a missed payment on this account ( XXXX XXXX XXXX ) that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to the complaint on the following dates ( XXXX ) Im now requesting Equifax investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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:
When I received my latest credit card bill from XXXX ( an aviator XXXX XXXX XXXX  XXXX ) I was notified of an increase in my APR to XXXX. I have had this card since 2015. I pay the balance in full each month. I called XXXX and was told to contact Transunion.I attempted to get a credit report online from Transunion but was unsuccessful because I was timed out? My credit score is XXXX .Perhaps XXXX wants to drop my account since I pay each month in full. They charge XXXX $ a year for the use of the card. Such usury should be illegal if it isnt already. I suspect millions of consumers received a similar rate increase, many of whom are in precarious financial positions.Thanks for any help you may be able to provide.

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 2024-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened both a checking and savings account with JPMorgan-Chase ( Chase ) more than XXXX ( XXXX ) years ago, when between the years of XXXX and XXXX, for some reason, Chase determined that my interest-bearing savings account should be converted into a non-interest-bearing checking account. As I was never made aware of this change and am only now finding out about this transfer, I would like to know why this was done. During that time I would move funds from my savings account into my checking account to pay debts. It was not until recently that I realized I did not have the correct funds in my accounts per my records. It was then I realized Chase had removed funds from an interest-bearing ( savings ) account and put the funds into a non-interest-bearing account ( checking ). 
For full accountability and full disclosure, I would like a full accounting on why this occurred and who gave the bank the right and/or permission to move money from and into my accounts without making me aware of the changes. I would also like to know what happened to all the interest I would have earned had my funds remained in the interest-bearing account. 
I would like clarification from Chase on why this move was made, where the interest funds these accounts would have earned and, additionally, what must be done to achieve reconciliation for this very egregious act. 
I would like to point out that I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), for further instructions and explanation ( s ) on why this occurred and how can I be recompensed for this act, which borders on the illegal. 
As a stockholder in shares of JPMorgan Chase, as I have been for the past XXXX ( XXXX ) years, how can I remain confident that the bank will have my best fiduciary interest at stake? I sincerely feel a criminal act has happened to me because of these acts and want this situation rectified by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I had a syncrony bank account for a few years. Not a single missed payment, always in autopay. I changed banks recently and because of always having it on autopay I had to change it. But the syncrony account log in is very bad to use. So it always comes up with " experiencing tecnical issues ''. 

My email from the account is a very old one and recently got full until I were to pay for more space or change it. Since it was full and syncrony page doesn't work correctly, no way to change. 

I think syncrony also had my old address ( it's a XXXX year old account ), so it took me a while to get access. 

I just got suprised with the account closed with 0 time to respond and no way to get it back.

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 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Im unable to withdraw my cryptocurrency due to a restriction on my account ( Account Number : need immediate access to my funds.

Please resolve this issue as soon as possible and let me know if you need any additional information from me.

i have been a long time user of the platform and this is horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Hi- I purchased a Visa Signature gift card from the local XXXX. Shortly after activating the card it started getting declined at all merchants even though there is a sufficient balance on the account ( validated on vanillagift.com ). Ive placed multiple calls to the number on the card to attempt to resolve the issue. About XXXX months ago I requested a replacement card, however a replacement card never arrived. Calling in is burdensome. I still have the gift card with a balance of {$70.00} on it that Im unable to access. 

Additionally, the terms and conditions do not clearly indicate how to submit an error per Reg E. Please consider this a Reg E notice of error. There seems to be a technical issue with my card preventing me from accessing my funds. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reported accurately. I have a missed payment on this account ( XXXX XXXX XXXXXXXX ) that I in fact paid on XXXXime.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to the complaint on the following dates ( XXXX ) Im now requesting TransUnion investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The problem started when I called XXXX XXXX to close the account after I paid them in full. The call dropped while I was talking to the customer service rep. The Rep didnt follow through and close the account as Requested. When they started calling me about the past due, I sent them proof of payment, however they said a charge of {$10.00} came through after the payment. I told them the account was to supposed to be closed, why do wasn't the charge not declined. They said the account wasnt closed, I wasnt going to argue, I offered to pay the {$10.00} to close the account and be done with it. However, XXXX chose to be greedy and wanted the interest and late charges and I said no. So they wrote it off and sold it to this collection agency. The collection agency has nothing in writing or verbal that I owe them anything. Thank you for you time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
I have no connection and have never had a connection to IQ DATA INTERNATIONAL or the original creditor XXXX XXXX XXXX. 

This is a result of identity theft and I would like it removed from all 3 credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reported accurately. I have a missed payment on this account ( XXXX XXXX XXXXXXXX ) that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to the complaint on the following dates ( XXXX ) Im now requesting Experian investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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 reviewed my Consumer Reports and noticed that since XXXX of XXXX  the account below has been reporting late payments. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to best of their ability with Maximum Accuracy. I have never been late for this account. 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 Account number : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I received a letter from collection company. Called them to find out what it was. There was fraudulent charges on a credit card I used to have that indicates with the credit card company and they were supposed to take the charges off and close my account. They closed my account but never took the charges off and found out they sent the charges to collection! I do not owe money for charges on a credit card that were done fraudulently not by me. This needs to come off of my credit report as I do not owe this debt due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX  account # 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