vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 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 shall ( i ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 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 shall ( i ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Re ; Synchrony Bank/ Care Credit Account XXXX 

I scheduled XXXX payment to post on due date XXXX. it posted on XX/XX/XXXX resulting in fees in the amount of {$8.00}. I scheduled my XXXX payment on XX/XX/XXXX to post XX/XX/XXXX. It is pending as of XX/XX/XXXX. These are electronic payments. All other electronic payments made on XX/XX/XXXX have posted on XXXX. 

I contacted Synchrony Bank/Care Credit today . I'm not sure if they will remove the XXXX late fee. I was advised no future fees will post.

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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received two Amex cards as gifts. They are virtually useless. One card was originally XXXX but I was able to use it at XXXX XXXX 2 years ago for a portion but I still have a balance of XXXX, and the other card is XXXX. They are not accepted anywhere, will not go thru online or in person. Ridiculous. Called AMEX nothing. I registered both cards they just wont work XXXX- {$600.00} and XXXX for {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-01 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: FL

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 IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under 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 shall- ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : 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 2024-08-01 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: IL

Complaint narrative:
Upon reviewing consumer reports I discovered a late payment on an account which Ive always maintained timely payments of consumer agencies play an important role in reporting consumers information correctly and accurately it is crucial that this information be published accurately I have never missed a payment on account for XXXX XXXX XXXX I request a thorough investigation into these discrepancies under 15 U.S. code 1681e section b and ask that statements be provided demonstrating the lateness of said payments if unable to furnish proof I demand these payments to be updated to reflect their true status of on time as I have consistently upheld my payment obligations without delay!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-01 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: AL

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file, hindering my ability to manage my financial affairs, and impacting my daily life. The negative consequences of these inaccuracies have caused immense hardships, leaving me no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that a comprehensive investigation be conducted into the reporting of each disputed account. It is imperative that the necessary steps are taken promptly to update and correct my credit report. Your immediate attention to this matter will help restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action. Your cooperation and support in resolving this matter promptly will be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-01 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: NE

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Companies involved : Freedom Mortgage PH # XXXX My account # with them : XXXX XXXX XXXX XXXX PH # XXXX Plan # XXXX The problem arose from when payment to XXXX XXXX XXXX  was not being paid by Freedom Mortgage. The payment was included with my monthly mortgage payment. During conversation on the phone about this issue, it was discovered that the payments to XXXX XXXX XXXX were being applied to the principal. This has been resolved. The XXXX XXXX XXXX was cancelled on XXXX XX/XX/year>. The payments for XXXX XXXX XXXX keeps popping up on my mortgage statement under other/optional products. My normal mortgage payment is {$840.00}. The XXXX XXXX XXXX payment is listed at {$130.00}. I have spoken to both companies and have come to the conclusion that each company is passing the problem to the other. Please help resolve the error where ever it my be. Thank You! 

One very disappointed veteran.

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 2024-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I recently received a letter from Credence Resource Management , LLC, a debt collector, regarding an outstanding debt supposedly owed to XX/XX/XXXX. The letter indicates that my account number is XXXX and states that as of XX/XX/XXXX, I owe a total of {$12000.00}. Additionally, it mentions that I have been charged {$8000.00} in fees, bringing the total amount due to {$20000.00}. 

The letter advises that I have until XX/XX/XXXX, to dispute this debt. If I do not dispute it by this date, Credence Resource Management will assume the debt is valid. To dispute the debt, I can call or write to them and provide any supporting documents. They have also provided an email address for electronic disputes. I submitted my dispute request via email to Credence Resource Management, claiming this debt is the result of the identity theft, but I have not yet received a response from them. 

This debt is fraudulent and the result of a recent identity theft incident. My personal information was compromised in the XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, and I suspect this is related to that breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
According to chase bank, only a supervisor can log a complaint. I contacted the bank regarding a hold that was placed on an electronic transfer because the whole date had been moved XXXX days further out from the date I was originally provided. I contacted the bank for either an explanation and request to release the hold, but they did not release the hold. 

I received poor service from the first XXXX associates that I spoke to and wished to submit a complaint regarding their actions. I was told I had to speak to a supervisor and waited approximately XXXX minutes to connect with a manager. The manager XXXX, confirmed that was their process that only a supervisor could submit a complaint. I requested a response in writing to my concerns regarding the hold as well as confirmation that their policy is that only a supervisor can log a complaint. He could not commit that the bank would respond to my concerns in writing. I find this extremely concerning that a longtime customer who has rarely ever complained let alone contact the bank can not file a complaint regarding the egregious service I ever received and I was required to be on the phone for over XXXX minutes and the initial reason for my call was still never resolved. There is someone in the bank that could adjust the hold and release the funds yet he tells me there is nothing that could be done. I am a long time client and shareholder of the bank, I am Quite honestly more concerned about their complaint tracking policy as opposed to the hold they place on my funds I would like a response in writing from the bank their policy for clients logging complaints to confirm if we are required to only speak to a supervisor to a formal complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting a

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 2024-08-01 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: MN

Complaint narrative:
I am formally disputing any unsubstantiated or inaccurately documented information contained within my credit report, as stipulated by the FCRA and Metro 2 data field reporting standards. It is imperative to emphasize my inability to acknowledge allegations of delinquency and derogatory remarks without concrete supporting documentation, which is required by both federal and state laws for accurate and complete reporting. Reporting claims that contravene legal standards is inappropriate, and I urge you to ensure the factual and correct reporting of all claims, in accordance with the Metro 2 reporting standard. Furthermore, I kindly request the provision of tangible, verifiable evidence confirming the existence of the account and its permissible use, as mandated by the Metro 2 standard. Should such evidence be unavailable, I respectfully request the removal of said account from my credit report. Additionally, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-08-01 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was an authorized user on my daughter XXXX XXXX credit card accounts. She has called the credit card companies and removed me as an authorized user over 6 months ago but the companies are still reporting to all three credit bureaus as if I am still on her accounts. I would like for the companies to stop reporting on my credit.

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I opened an account with Cashapp in XXXX or maybe late XXXX. They canceled my account in late XXXX or early XXXX because I supposedly violated terms of service. Their terms of service is a 30 page document. I can not figure out what I did wrong and I don't believe I did. They cancelled my account. I was able to withdraw whole dollars but there is XXXX cents left in the account and I would like it for principle. It is my money, why should they get to keep it. They are refusing to send me a check for the XXXX cents and will not tell me what I did to violate TOS nor will they reinstate my account.

Company response to consumer: Closed with explanation