vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We received a bill last XXXX for XXXX services to our house that we were selling. We had spent hours on the phone trying to reach XXXX as the company was being sold. We discontinued service in XXXX, once we finally reached them and then sent back the receiver to the company. We sold our house on XX/XX/XXXX and moved to another city ( XXXX, WA ). We contacted CHASE about a bill for XXXX services that was on our XXXX XXXX bill in XXXX. The dispute was credited and CHASE wrote " We're pleased to tell you that we've resolved your dispute. '' In late XXXX, we received another message from XXXX telling us that our account was past due and had been closed by them. That was curious as we had closed it on XX/XX/XXXX by phone call. We also received a bill for an XXXX XXXX ( that we sent back ) {$14.00} and additional charges for local channels, and XXXX 's XXXX XXXX ( {$240.00} ). We were living in a condo at that time in XXXX. The bill that appeared was sent to my XXXX XXXXXXXX who XXXX XXXX XXXX XXXX, so it had been routed a few times before it reached us. The name on the account was my mother-in-law 's " XXXX XXXX '' but the address was our new condo. She lived in assisted living without any XXXX  services. The charges were for services from XX/XX/XXXX to XX/XX/XXXX but the billing date of the statement was XX/XX/XXXX which seems really odd. We disputed these charges with CHASE and they appeared on our statement. I complained ( twice by phone ) and received a letter in early XXXX stating that " they have confirmed that these transactions are valid ''. I again disputed this and sent a copy of the bill and our moving history to CHASE on XXXX XXXX. 
On XX/XX/XXXX, I received another letter stating that " the results of our investigation confirm that the transactions are valid and no billing error occurred. '' Then they notified the credit reporting agency that we disagree with the resolution even though we have been paying the full amount. The phone discussion was about never receiving the XXXX XXXX  Anyway, the services were never received as the people who bought our house are friends and they did not use XXXX I have copies of the letters between CHASE and XXXX and the original XXXX statement along with the real estate sale of XX/XX/XXXX and my deceased XXXX XXXX XXXX XXXX XXXX I just completed my fifth phone call with CHASE and the manager ( third up the chain ) will call me in XXXX business days but they would not give me an email or an area code or a name -- so this call might just go to spam. We ask for the services to be credited to our account ( {$240.00} ). We will probably just stop using CHASE as our other cards have never been this difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I can't believe you guys are taking advantage of me. I AM EXTREMELY UPSET The credit bureaus have not responded back to me about my investigation. This is a Very Serious Matter. On XX/XX/XXXX and XX/XX/XXXX I Disputed the accounts and on XX/XX/year> I filed Complaint Number XXXX with the CFPB about inaccurate, unverifiable and fraudulent accounts that are reporting to my Credit Report. I've done XXXX disputes with them and consistently have been ignored and made to feel as if my situation doesn't warrant the same treatment as others. 

I need these accounts that aren't mine to be removed from my credit report immediately! It's been more than 30 days and Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I provided in my letters I am asking you to DELETE expeditiously or I will have to file Litigation due to the stress that has been caused to me. 

Attached is a copy of my DL, SS Card, Utility Bill, Notarized Identity Theft Affidavit, Police Report, and Notarized Affidavit of Truth. 

I also submitted this letter to my State Attorney General Office and XXXX XXXX XXXX XXXX and by Certified Mail to your Registered Agent to have confirmation of proof of delivery.

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 2024-04-25 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-04-25 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TN

Complaint narrative:
I recently reviewed my credit report and identified several inaccuracies that require your attention. Upon examination, I found discrepancies in the reported accounts, including inaccurate account numbers, balances, and payment history. Specifically, the XXXX Account # XXXX contains inaccuracies that violate 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I of the Fair Credit Reporting Act ( FCRA ). 

These inaccuracies have the potential to adversely affect my creditworthiness and financial standing. Furthermore, I believe these discrepancies constitute violations of my rights under the FCRA, including my right to privacy and accurate reporting of credit information. 

Therefore, I am requesting a thorough investigation into the reported accounts and personal information discrepancies, with particular emphasis on the XXXX Account # XXXX. I seek validation of the accuracy of each reported account, documentation of the sources of information, and clarification on any inquiries made to my credit report. 

I urge you to take immediate action to correct these inaccuracies and address the violations of the FCRA. 

I look forward to receiving a prompt response regarding the outcome of the reinvestigation and any necessary corrections made to my credit report. Otherwise legal action will be taken. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25 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 requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I am a victim of Synchrony Bank 's predatory practices, which have caused extreme damage to my XXXX XXXX. Despite having a 100 % perfect payment history in all my accounts, Synchrony Bank has been artificially inflating my credit utilization with their company by continuously lowering my credit limit to the amount I owe on the card. This has resulted in my XXXX XXXX being damaged significantly. 

For instance, on my Care Credit card, I had brought my dog to the vet and had to use most of my line of credit. I made consistent and larger-than-needed payments, and reduced my credit utilization to about 30 %. However, Synchrony Bank reduced my credit limit to the exact amount I owed, inflating my utilization to 100 % and causing damage to my XXXX XXXX. What's worse, they did not even notify me of this unprovoked decrease in my limit. 

When I paid off the remaining balance on the card to get the utilization down to 0 % to improve my XXXX XXXX, Synchrony Bank used its self-imposed damage to my credit to justify closing my account, reducing my credit age, and further damaging my XXXX XXXX. 

Even my Amazon Store line of credit wasn't spared by Synchrony Bank 's predatory practices. I had a XXXX balance on it for several months, but when I used it to buy birthday presents, keeping it under 30 % usage, Synchrony reduced my credit limit to XXXX, making my utilization of that card 100 %. 

It's clear that Synchrony Bank is purposefully damaging my credit and then using my lower score to justify continually causing more damage to my XXXX XXXX. Despite keeping all my accounts in good standing and never missing a payment, it has been a long and difficult process to get any information from the company. No one could give me a reason for this, which was happening many times I called, and when I asked to be mailed information as to why this was happening, I was never mailed anything.

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 2024-04-25 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: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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. Your swift attention to and resolution of this issue are highly appreciated.

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 2024-04-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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. Your swift attention to and resolution of this issue are highly appreciated.

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 2024-04-25 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: FL

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 non-monetary relief
Consumer complaint received 2024-04-25 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: NE

Complaint narrative:
I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this inquiries due to violation of 15 USC 1681b 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 2024-04-25 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:
My Identity was stolen illegally I have disputed this with the following company 's and credit bureaus and demand deletion!

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-25 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I value your help in reviewing my file but I already attach the required documents in my last request including FTC report and a notary with the attorney signed. I will attach it again for you to reinvestigate the accounts in my Chex system file. 
XXXX  XXXX XXXX XXXX ACCT # : XXXX Original Charge Off, Amount : {$1000.00} XXXX  XXXX XXXX XXXX ACCT # : XXXX Original Charge Off Amount : {$1600.00}

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their persistent failure to resolve disputes within the legally mandated timeframe, as well as the ongoing inaccuracies in the reporting of my credit information, specifically regarding the XXXX XXXXXXXX Account number # XXXX. 

Despite repeated attempts to resolve discrepancies in my credit report, Experian has consistently exceeded the 30-day window required by law to investigate and address these disputes. This prolonged delay has had severe repercussions on my financial well-being and has undermined my trust in Experian 's ability to accurately report my credit information. 

Furthermore, I am disputing the inconsistencies and inaccuracies in the reporting of the XXXX XXXXXXXX account number XXXX. Experian 's failure to accurately reflect my payment history, particularly regarding timely payments made in XX/XX/2021, has resulted in discrepancies across the three major credit bureaus. While XXXX reported timely payments for this period, Experian and XXXX have failed to provide any records, raising serious concerns about the accuracy and reliability of Experian 's reporting. 

I demand an immediate escalation of this matter and a thorough investigation into all issues related to the XXXX XXXXXXXX account. Experian must provide documented proof of any late payments and take immediate steps to rectify the inaccuracies in my credit report. Furthermore, I demand the removal of the XXXX XXXXXXXX account from my consumer report, as it is clear that Experian 's reporting has been grossly inaccurate and detrimental to my financial standing I expect a swift and comprehensive response to this complaint, outlining the steps Experian will take to address these issues and ensure the accuracy of my credit report moving forward. Failure to do so will result in further action, including legal recourse if necessary. 


Attached is documents of my previous dispute that was not addressed nor resolved in 30 days, proof of my identity and the inconsistencies that XXXX XXXX has been reporting on 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 2024-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: GA

Complaint narrative:
The company is attemping to collect a debt from an XXXX XXXX  in the XXXX XXXX area ( early XXXX 2023 ) after I was seen for a XXXX XXXX. I had active insurance ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) however the company did not bill the insurance company and is attempting to collect a falsely elevated debt due to them not filing appropriately to be paid by my health insurance. I contacted the debt collector and the XXXX XXXX and the XXXX XXXX XXXX. However, neight the debt collector or XXXX XXXX XXXX are acknowledging their failure in billing my insurance and are attempting a false out of pocket expense. My health insurance was never billed for their service as it should have been. I would never recommend this XXXX XXXX services due to falsely attempting to collect money for a debt that they never sent to my health insurance for payment.

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