vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Pentagon Federal Credit Union has an account that belongs to my ex-spouse and I have NO liability for this account as I am only an Authorized User and I was supposed to be removed as an authorized user. I submitted a dispute with the credit bureaus and Pentagon CU verified it is correct information. As an Authorized User I have the right under the FCRA and Federal Law to be removed as an XXXX and the account deleted off my credit bureaus as I have the right to my own credit and I do NOT wish to be an Authorized User on my Ex-Spouse Pentagon Federal CU card account. This is notice to Pentagon FCU that I want to be removed as an Authorized User from the account or my XXXX XXXX XXXX XXXX XXXX XXXX XXXX will initiate litigation for any harm this has caused my credit and punitive damages for stress. ** I DO NOT WANT TO BE AN AUTHORIZED USER ON MY EX-SPOUSE ACCOUNT NOR AM I LIABLE FOR THIS ACCOUNT. We were divorced in XX/XX/year> in XXXX XXXX, Missouri. Her name is XXXX XXXX. The account listed has a credit limit of {$6300.00}. This needs to be removed immediately or my XXXX  will take action for Pentagon FCU failure to delete this account at my demand and federal rights.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: IL

Complaint narrative:
Dear [ Creditor 's Name ], I am writing to formally dispute a debt that you claim I owe, as per your communication dated [ insert date of communication ]. I believe this debt is inaccurate and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ).

Under 15 U.S. Code 1692 ( g ), I am entitled to request validation of the debt, including the original creditor 's name and the amount owed. I kindly request that you provide me with this information within the statutory timeframe.

Furthermore, as per 15 U.S. Code 1692 ( c ), I am requesting that you cease all collection activities until you provide the necessary validation. This includes any reporting of this debt to credit reporting agencies. 
Please acknowledge receipt of this letter and respond with the requested documentation to validate this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. This is what I sent to dater

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank has issued a letter stating that they will be charging {$1.00} per month to mail paper statements to users who have a balance greater than {$2.00}. I intend to call them tomorrow but, regardless of what they say to me, they should not be allowed to do this to other consumers.

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was a victim to fraud for a huge amount and didnt have access to my money because it was fraudulent used. I am now asking that i have paid my balance in full, will you please remove the late payment charges from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
First premier bank is reporting inaccuracies on my consumer report a charge off account number XXXX for the month of XX/XX/year> status charge off, XX/XX/year> charge off, XX/XX/year> charge off .a charge off should only be reported with 1 accurate date this violates my Fcra rights usc 1681b ( e )

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's has charged off this account, and has not sent me a 1099 c.

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 2024-10-01 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: TX

Complaint narrative:
XXXX XXXX # XXXX Re-Investigating Charge Off $ XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Status Account charged off. {$14.00}, XXXX written off. {$8600.00} past due as of XXXX XXXX.The credit limit was {$15000.00}. XXXX XXXX XXXX XXXX Reported inaccurate balance This letter is in response to your recent claim XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a Charge Off is seven years from the date of the delinquency leading to the Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. 2. XXXX XXXX XXXX XXXX Reported Charges Off and inaccurate of debt owed which is frauds Please submitted Original copy of credit card contract with wet signature. Payment History Credit card statement verified accurate credit limit. Within 15 days of this re-investigation to XXXX and Consumer.

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 2024-10-01 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: SC

Complaint narrative:
On XX/XX/year> I reached out to XXXX, XXXX, and Transunion upon me noticing the numerous amounts of incorrect information on my credit report. I made them aware that some of the names listed as well as accounts did not belong to me. I submitted proof of identificaton as well as proof of address and still the negative items remain. t

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 2024-10-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I reached out to XX/XX/XXXX, Equifax, and XX/XX/XXXXupon me noticing the numerous amounts of incorrect information on my credit report. I made them aware that some of the names listed as well as accounts did not belong to me. I submitted proof of identificaton as well as proof of address and still the negative items remain. t

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted an account dispute on XX/XX/year>, concerning the following account : XXXX XXXX  Account number : XXXX Additionally, in a second letter, I requested the deletion of the following inquiries from my report, as I did not provide authorization for these companies to perform credit checks : XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX & XXXX RV & XXXX XX/XX/year> : XXXX XXXX XXXX XXXX letters, I specifically instructed TransUnion not to send a response unless they were providing verifiable proof regarding the disputed accounts and inquiries. However, I have received an automated response, which I believe is an attempt to stall instead of addressing the dispute as required by law. I have provided all the necessary documentation to verify I was the person sending the dispute. 

As stated in my previous letters, I made it clear that sending a computer-generated response claiming you ceased investigation due to suspicions of third-party credit repair involvement would be a violation of the Fair Credit Reporting Act ( FCRA ). This tactic, which appears designed to grant you additional time to comply with my original request, will not be tolerated. Please consider this your final warningfurther delays will result in legal action. 

I expect prompt resolution of this matter, as required by law, and the removal of the disputed inquiries and any unverifiable information from my report. 

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 non-monetary relief
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I just recently looked at my credit report on XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

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 2024-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I just explained Chase is placing my property/ Home in LIEN as they said my taxes NOT paid, my taxes are paid in my mortgage payments to Chase . IF my home being placed w/ a LIEN on it, this means Chase is NOT paying my taxes via my mortgage payments!!XXXX XXXX XXXX XXXX XXXX 
Please check records & PLEASE respond. Especially since as I stated my taxes are paid via my mortgage. Please respond as I have also attached copies of my property tax bills. TY Please confirm you have received this as something happened when I tried to submit complaint. Please assure me you received the copies of my tax bills & PLEASE Clarify that my property IS NOT GOING to Be placed in LIEN status!!!! I am XXXX senior & this is very troublesome & scary IF Chase has NOT paid my taxes from my mortgage payments. please see some of my communications w/ Chase. I also HAD lodged complaints w/ FTC & FCC & XXXX I also saw on my account I am due a check I can only presume from an overpayment in XXXX IF I am due a check, IT has NOT come yet!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: PA

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 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 2024-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
i reached out to all 3 bureaus on XX/XX/year> about inaccuracies and fraudulent information on my credit report that needed to be deleted immediately. it has been 48 days!!!!!! i am going to the police to see what i can do about the cfpb and the bureaus not taking the proper action in the amount of time. this is ridiculous. im going to contact national news and make this a headline mark my words. 48 days and counting is illegal. do not be surprised when i get a lawyer involved.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
On XXXX XXXX I reached out to innovis after filing a innovis dispute and sending verification of identity to have misleading information removed from my profile. I also requested that my telephone number be updated because that is the only way to access your Innovis credit report online. The representive gave me the incorrect telephone number on my account beginning in XXXX and then refused to remove it upon providing proof of my correct telephone number which is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-01 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: NC

Complaint narrative:
Please see attached!!!! 
I have reached out to the bureaus and they have failed to comply with my request as a consumer that has rights by law. 
Attached you will find : Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Picture of Account in question This account obligation was paid and should not be reporting on my consumer report I DO NOT NEED YOU TO START A DISPUTE OF MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAUS ) DID NOT RESPOND / SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED )

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There were a lot of money missing from my checking account and unidentified charges to my account. There was also a dispute that was made where I gave them proper documents and provided police report and the bank still kept my money. I am missing XXXX from my checking account with Wells Fargo and they close out my account saying I owe 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid off my loan. In full. Received confirmation from the company that I paid off the loan, in full. 
They did not report the payment to the credit bureau. I filed a dispute with Experian. 
After the dispute was " resolved ''. They were still reporting a balance that had not been paid on the loan. So the balance is still on my credit report. 

If I take out a loan, that loan shows up on my credit report in 24 hours.

If I pay the loan off, it takes MONTHS to be reported to the credit bureaus.

This is an abuse of the credit system and an imbalance towards consumers. All financial institutions that report to credit bureaus should be required to report payments just as fast as they report credit usage.

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 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
A hacker cloned my phone and created a face login he hacked my XXXX locking me out he made several withdrawals fr my bank account and even with police report and email from XXXX that my account was comprised they refuse to give my money back I'm very frustrated over this because it's XXXX my bank refuses to refund as well it's like I'm guilty when I had no control over this. I replaced my phone my Sim card and changed my number. I've lost my car had to stop XXXX and I'm about to be homeless all because of this I have late fees and tons of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did wat I was asked got police yet still not good enough according to the EFTA they're liable especially I'd I have proof XXXX  refuses to closed account after they saw it wasn't my device in the app and he stole another XXXX fr me that us all on XXXX they're already being sued for this c exact issue

Company response to consumer: Closed with monetary relief