vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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: OH

Complaint narrative:
As of XX/XX/XXXX I noticed on my Equifax credit report that accompany known as XXXX XXXX that provides personal loans opened up to new personal accounts on my Equifax credit report which knocked my credit score down by XXXX XXXX. These XXXX XXXX personal loan accounts were closed back in XXXX when I filed XXXX  XXXX bankruptcy. Looking further on my credit report, these accounts are showed as being closed. Yet XXXX XXXX went ahead and re-introduced them on my Equifax credit report showing them as open. This is absolutely false information and two years later they decide to put these XXXX XXXX XXXX personal loan accounts onto my Equifax credit report? No other account that I had closed due to my bankruptcy has done that. So two years later after early XXXX when the XXXX XXXX accounts were included in my bankruptcy XXXX  XXXX and were closed all of a sudden now theyre re-adding them on my credit report as open? This is incorrect and unfortunate and has greatly harmed my credit score by dropping it XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am writing to file a complaint against SYNCB/TJX CO regarding inaccurate information on my credit report. Specifically, a collection account has been placed on my report by SYNCB/TJX CO in violation of the Fair Credit Reporting Act ( FCRA ). 

Nature of the Complaint The Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the CFPB through Regulation 12 CFR 1006, requires collection agencies to provide validation information within five days of initially contacting a consumer ( [ 12 CFR 1006.34 ( b ) ( 5 ) ] ). This validation notice details the debt amount, creditor name, and other crucial information to allow the consumer to verify the debt 's legitimacy. 

However, SYNCB/TJX CO has placed a collection account on my credit report without providing the required validation information. This lack of information prevents me from exercising my right to dispute the debt 's accuracy according to FCRA regulations ( [ 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ] ). As a result, the negative information on my credit report is misleading, misrepresentative, and deceptive. 


Thank you for your time and attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had been banking with Chime for about XXXX halve years! I receive my childrens XXXX check threw chime ( XXXX girls ) on or about the XXXX of every month and I also receive my personal XXXX check around the XXXX of every month for myself!! 
I have debilitating/crippling XXXX XXXX. XXXX This situation caused me to get evicted and living in the streets for quite sometime primarily because I had just taken the time to undergo a full XXXX XXXX! 
I started getting notifications to my phone that that I needed to go over my account balance! Some way or another chime took the money and literally said it was not them it was my other bank XXXX XXXX who was alot more courteous in their endeavors! I know that XXXX XXXX Did Not Take The Money because as I was XXXX from the XXXX I called chime and they said they had a hold on my funds due to me having another account! It really should not have concerned them about what was in another account Iam a veteran and thats primarily what XXXX federal is for!! I spoke to several different representatives and sent several letters and emailed proof of transactions! As a company chime threatened me and pretty much warned me that if I continue distributing and or disrespecting their business model they would terminate my services! Needless to say they did! I was able to prove the money XXXX. The account and being there was a XXXX XXXX XXXX  you would have thought they would have done the right thing instead of insulting me my intelligence and everything I stand for! That is easy to prove due to all the XXXX XXXX I purposely left behind because it was almost like an horror dream that continued to repeat! I email them all the info they request then they email me back that my case was closed and theres nothing they could do! However doing my due diligence I bring the situation to XXXX XXXX attention in which they were appalled! They denied any wrong doing and went as far as opening the statements back up to prove to me they do not have an alliance with chime now or never would!! Please help that was an extremely large amount of money for them to take I almost feel like I need a late yet because at the end of the day that was straight up robbery oh and then they closed my accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: TX

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account Self Financial XXXX is not complete or accurate. 
The open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-05-27 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: NY

Complaint narrative:
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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, concerning account ending # XXXX, XXXX sent an email saying they were reviewing my account and that they could reduce my credit limit if I did not make a {$XXXX} payment by XX/XX/XXXX. I called XXXX  on the XXXX, the same day I received the email, and the representative said that my credit line was being reviewed and a decision would not be made until XX/XX/XXXX. I immediately made a {$XXXX} payment. 

On XX/XX/XXXX, I called XXXX and learned from the representative that on XX/XX/XXXX, XXXX days after I had spoken with an XXXX  XXXX that my credit limit on this account had been reduced from {$XXXX} to {$XXXX}. In addition, the customer service representative I spoke with on the XXXX said a further reduction could be made in my credit limit if I did not pay {$XXXX}. He did not specify when. He did not reduce the amount requested by the {$XXXX} payment, though he acknowledged that XXXX received the payment. 

The XXXX Representative provided XXXX reason for the reduction in credit limit : FICO score. I did not authorize XXXX  to pull my credit. My credit has been frozen since the XXXX debacle. My FICO scores have not changed significantly in the last XXXX years ; most recently, they have improved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX my daughter, XXXX XXXX XXXX an email from Halsted financial services addressed to myself regarding my debt. It had my account number listed and the amount of debt I owe, and the payment arrangements in which could clear me from said debt. I called and spoke to XXXX different people. Each person apologized for their mistake and said they would remove the email but that was all they could do for now however the last man I spoke to, stated my account would be paused temporarily until they can " get to the bottom of this '' I informed them that what they did was illegal and they violated my privacy by sending that information to my daughter. The people I spoke to admitted I was on a recorded line and also admitted to their mistake. Now my XXXX who has no business knowing my information knows about my debt amount and has my account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: FL

Complaint narrative:
Theyve failed to remove these inaccurate inquiries I did not authorize. My credit score is suffering as a result of these mistakes, which are listed below, so I must ask for a quick fix. 
XXXX inquiry, XXXX inquiry, XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX inquiry. Remove it ASAP as I did not grant permission to see my report. Please be aware, that I need the wrong inquiry investigated and removed quickly. No permission was given to pull my credit report. These inquiries must be investigated according to the law and removed as soon as possible. These creditors pulled my report without my permission. Delete this information on my credit report. 
XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: FL

Complaint narrative:
Theyve failed to remove these inaccurate inquiries I did not authorize. My credit score is suffering as a result of these mistakes, which are listed below, so I must ask for a quick fix. 
XXXX inquiry, XXXX inquiry, XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX inquiry. Remove it ASAP as I did not grant permission to see my report. Please be aware, that I need the wrong inquiry investigated and removed quickly. No permission was given to pull my credit report. These inquiries must be investigated according to the law and removed as soon as possible. These creditors pulled my report without my permission. Delete this information on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: NY

Complaint narrative:
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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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:
Equifax, XXXX XXXX XXXX XXXX have been reporting inquiries that are not verified & over the phone agreed to not having the information to verify these inaccuracies. 

I was promised accuracy on my credit report based on federal law & after my disputes, I have made calls as another attempt to have these inaccuracies either removed or fixed. Under 15-USC-1681. All unverified information must be promptly removed. As i was told, in their system they could not validate this information. I request for its removal effective immediately. 


I spoke with this operator details below. 
XXXX Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bepensa Capital, Inc.
State: MI

Complaint narrative:
I contact XXXX XXXX XXXX XXXX now XXXX ) in XXXX and asked them not to contact me via telephone. I encourage and respond to emails they send. They have called me after receiving and acknowledging my request not to call me. 
XX/XX/XXXX at XXXX pm XX/XX/XXXX at XXXX pm I want the phone harassment to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/XXXX, my company, XXXX XXXX, applied for credit to finance a XXXX XXXX XXXX trailer through XXXX XXXX XXXX XXXX in XXXX, XXXX. I executed a credit application and later, contract, for financing under the business name and personally acted as a guarantor for the business as is standard procedure. The loan company/bank, XXXX XXXX XXXX has since made monthly " personal '' credit file account updates showing my $ XXXX debt to XXXX and XXXX files XXXX appearing XXXX though i've opened a personal credit card, and am always at 100 % utilization. I've requested this be fully removed from my personal file, they object, yet can not show anywhere in my signed contract where i agreed to this. Furthermore, we agreed to a much " higher '' XXXX finance rate to have the loan through the business versus personally. I believe the difference in XX/XX/XXXX, was XXXX or 10.99 % apr versus our company loan at XXXX  %. To make matters worse, among several other issues, the loan company has NO online method of payment monthly for this XXXX. term loan. I've inquired several times, and they claim they're " working on it '' but that we can ONLY mail in a check or pay via credit card over the phone. We are a business, so we setup automatic bank scheduled check payments to XXXX for months in XXXX. XXXX routinely, almost always, either claims they didn't receive the payments or cashes/deposits them several days/weeks later then they were mailed. We receive collection phone calls daily 7 days a week even though we've paid over our required {$XXXX} monthly payment amount each month. We physically mailed our payment on XX/XX/XXXX, due XX/XX/XXXX certified mail, XXXX shows it was delivered XX/XX/XXXX, as of XX/XX/XXXX, it was not cashed, and was later returned on XX/XX/XXXX, with the check defaced.

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 2024-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am writing regarding the above-referenced account, which was closed on XX/XX/year>, and currently has a charge-off amount of {$68.00}. 

I acknowledge the outstanding debt and am willing to settle the account in full. In exchange for my payment of {$68.00}, I respectfully request that U.S. Bank Corporation remove any related negative reporting from XXXX, XXXX. This account has been reported to XXXX as account abuse, even though the charge-off resulted from the accrual of junk fees. This negative report has prevented me from opening an account with a preferred financial institution, and its removal is essential for me to manage my banking needs effectively. 

This settlement is proposed as a gesture of goodwill to resolve the matter amicably and ensure that my financial records are clear of any negative entries. I believe this would be mutually beneficial, allowing me to fulfill my obligation while improving my banking record. 

Please confirm in writing that U.S. Bank Corporation agrees to this arrangement. Upon receiving your written confirmation, I will promptly remit the full payment of {$68.00}. 

Thank you for your attention to this matter. I look forward to your favorable response.

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