vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
XX/XX/year> {$470.00} On XX/XX/year> I noticed on all XXXX credit bureaus on my credit reports that Eastern Account Systems placed information on my credit reports without my permission and has not attempted to contact me. I have not contacted this company..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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 non-monetary relief
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-05-20 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: GA

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

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 2024-05-20 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: EQUIFAX, INC.
State: TX

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 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-05-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
Recently, I have discovered that a car loan was fraudulently obtained in my name without my knowledge or consent, additionally, I have identified several unauthorized hard inquiries on my credit report, the account is XXXX  with account number XXXX, and the hard inquiries are XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX XXXX i opened an buisness account for my LLC at Chase Bank XXXX in XXXX XXXX at XXXX XXXX XXXX -the LLC was formed in order to buy real estate in the US.Everything was ok throw the years, with no problems. 
My account was always with money in the account. 
On XX/XX/XXXX i recived an email informing me that my balance is XXXX, i immediately checked online and saw there is a pending check for the balance that was in the account and after a few hours the account disappeared and i couldnt reach it. 
I was afraid it was a fraud and contacted that bank in the secured messages and throw the phone- on that call i was iformed that the bank decided to close my account, and that the decision was made back on XX/XX/XXXX, they said it is a final decision, that its irreversible and that they do not have to give me the reason. 
What happend was that on XX/XX/XXXX i found out there were XXXX fraudulent wires from my account ( XXXX on the amount of XXXX $ and XXXX on the amount of XXXX $ - total of XXXX $ ) - the wires were from XX/XX/XXXX to XX/XX/XXXX. 
I asked the bank to get a refund for these wires, and they responded that it is my responsebility to check my account and they refunded only XXXX $ from XXXX. 
I contacted them back and explaned them that i am from XXXX, and because of the war and the bad situation in my country i did not manage to check the account these months and asked for their consideration, the responce was that they will see what they can do, i didnt get any answer and on XX/XX/XXXX i asked again- and got the same responce- that they will not pay the rest of the amount... 
Never did i get a notification that they decided to close my account! no email, no letter!! 
They said that they will send the balance by a check to my mailing address in XXXX, but i cant do nothing with this check in XXXX since it is a US LLC- i will have to fly to the US and open a new account in a different bank. 
I feel they did that on purpose for XXXX and XXXX reseons only- there is no other reason! 
I want to receive compensation for the unfair treatment I received and which also damaged my business activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On around XXXX XXXX, my XXXX XXXX account was frauded by a XXXX  in XXXX back to back transactions that totaled almost XXXX $ I received a notification and called both companies immediately with in XXXX minutes I was able to stop XXXX XXXX $ XXXX  in time. I disputed this with XXXX XXXX and my nfcu bank that funded the XXXX  transactions. I have never used any service like this I didnt no what it was. I explained this to both companies cash app would not let me do anything my nfcu let me dispute it only to deny my fraud. I ask both to explain what and why I got no response I ask them to show me a paper trail I got no response I ask for account XXXX  went through still got nothing. That was every dollar I had I am currently not able to work due to a XXXX and I was left with no money no answers and still dont no what a XXXX  is. It clearly shows money put into XXXX  I no XXXX XXXX  has to have some kind of info on clients that did fraud on my account. I feel nfcu did not care about matter because it was XXXX XXXX but they funded money a red flag should of went up with my spending history and absolutely no XXXX  or digital money in my entire history so Im left with a debt of XXXX $ that I did not take it was taken from me and no way to pay this money I actually would not even no what to buy or how to buy anything with a XXXX  item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

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 2024-05-20 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: CA

Complaint narrative:
I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent account on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the bank associated with this account and they said they have removed the accounts, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. Please DELETE the account : 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 non-monetary relief
Consumer complaint received 2024-05-20 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: SYNCHRONY FINANCIAL
State: AP

Complaint narrative:
The company hadn't sent a card, nor any type of communication stating that I had a due balance. There was no way for me to pay without knowing my account information ( card number ), nor was I given any notification until they'd already penalized me and reported it, which I didn't authorize. I immediately closed the account after this incident and synchrony denying their role, however, the account didn't reflect as closed until months later. They also put a new XXXX day late notice on my XXXX XXXX last month ( XX/XX/year> ).

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 2024-05-20 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: CA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-20 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: CA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-20 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: AR

Complaint narrative:
There are unauthorized inquiries 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 2024-05-20 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 consistently ensured timely payments, so why is there an error in 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 non-monetary relief
Consumer complaint received 2024-05-20 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX I am writing to file a formal complaint against all credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, for their unauthorized and unethical handling of my personal information. 

This complaint is based on several serious violations : XXXX. **Failure to Provide Opt-Out Information : ** I have never received monthly options to opt out of data sharing from any of these agencies, despite legal requirements to provide such options. 
XXXX. **Lack of Express Written Consent : ** None of these agencies have obtained my express written consent to collect or disseminate my personal information. 
XXXX. **Misrepresentation of Opt-Out Rights : ** I was falsely informed by these agencies that I am not allowed to opt out of their services, a clear misrepresentation and fraudulent practice. 
XXXX. XXXX*Illegal Profit from Personal Data : ** My personal information has been transmitted illegally by these agencies to third parties for their own profit, from which I have derived no benefit. This action constitutes a violation of the Privacy Act of 1974, which protects against unauthorized disclosure of personal information. 

These practices breach the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, and demonstrate a blatant disregard for my rights and safety, potentially exposing me to identity theft and financial fraud. The systemic failure of these agencies to uphold privacy and integrity of consumer data is alarming. 

I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these flagrant violations and enforce strict penalties to prevent further misconduct. It is critical that decisive actions are taken to ensure these agencies comply with all applicable laws and respect consumer rights. 

IN ADDITION, THE LAW CLEARLY STATES IT IS ILLEGAL TO REPORT TRANSACTION HISTORY - HOW IS ANY AMOUNT REFLECTED ON MY BALANCE? 

I look forward to your prompt response and resolution of this matter. Please contact me at the details provided above if further information or documentation is required. 

Thank you for your immediate attention to this critical issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX  and I have not yet received a response. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
AIDADVATAGE says I owe over XXXX. Since XXXX and that my name is XXXX XXXX XXXX. I've never used XXXXXXXX XXXX XXXX  in my life They kept trying to get me to say on a reordered line that it's me and it's not so I will not scammed This is on my credit report also ..this is unfair and I want either payment for the pain and suffering I've endured for thf past 30 hrs over this embassment or I want it disposed of I will not pay a bull under someone else 's name

Company response to consumer: Closed with explanation