vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: Synovus Bank
State: TN

Complaint narrative:
First Digital card ( synovous bank ) closed my account because i refused to send them bank statements showing I made payments with my card. The payments were made with my debit card in my name. So they sent me a letter closing my account. It showed up on my credit report as closed and then a few days later shows it was opened again without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report, several key legal provisions are relevant, including 15 U.S.C. 1681a ( e ), 15 U.S.C. 1681i7, and 15 U.S.C. 1681g. 

1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ). This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report. 

2. **Description of Investigation** : 15 U.S.C. 1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 

XXXX. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the XXXX disclosure forms mandated by 15 U.S.C. 6802. 

Given these legal requirements and your assertion of the account 's fraudulent nature, you demand the immediate removal of the account from your consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.

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 2024-05-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hard inquires on Experian credit report, XXXX XXXX ON XX/XX/XXXX THIS IS INQUIRY WAS NOT AUTHORIZED AND HAVE NOT APPLIED FOR AN AUTO LOAN. 
XXXX XX/XX/XXXX THIS IS ANOTHER CREDIT INQUIRY PLACED ON CREDIT REPORT AND HAVE NOT APPLIED FOR CREDITXXXX DATED XX/XX/XXXX WAS ANOTHER CREDIT INQUIRY THAT WAS PLACED ON MY EXPERIAN CREDIT REPORT WITHOUT MY APPROVAL OR ATTEMPTING TO GET CREDIT APPROVAL.

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 2024-05-09 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Card was stolen - suspect used the card at XXXX locations in XXXX TX : XXXX # XXXX & XXXX XXXX # XXXX. Here are the times : XXXX # XXXX XX/XX/year> - XXXX ; HEB # XXXX XX/XX/year> - XXXX ; XXXX XXXX # XXXX XXXX. 

I was not in XXXX at the time of these charges and provided Upgrade, INC proof/flight logs that I was in XXXX, AZ. 

I did not authorize any of these charges and Upgrade, INC has declined my dispute twice. They have decided not to work with the police. 

Even after providing a police report filed and my flight receipts they are declining my request- their argument is nothing looks out of the ordinary/not enough evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I am writing to file a formal complaint against Consumer Financial Protection Bureau. This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. I recently pulled a copy of my credit report and noticed that there was a collection from your agency on my credit report. I was never notified of this collection. Not notifying me is a violation of the Fair Debt Collections Practices Act ( FDCPA ). This is not a refusal to pay, but a notice that your claim is disputed. Under the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-09 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:
Was summoned to XXXX XXXX on XX/XX/year> @ XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX The company claimed that I owed an outstanding balance on an account that i had no knowledge of. XXXX requested proof of that the account belonged to me and XXXX XXXX and XXXX was unable/ unwilling to provide any proof. XXXX ruled in my favor and case was dismissed.

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 2024-05-09 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: GA

Complaint narrative:
Was summoned to XXXX XXXX on XX/XX/year> @ XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX The company claimed that I owed an outstanding balance on an account that i had no knowledge of. XXXX requested proof of that the account belonged to me and XXXX XXXX and XXXX was unable/ unwilling to provide any proof. XXXX ruled in my favor and case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime closed my acct because I was depositing money into my acct from a betting site. They closed my acct and only sent me a XXXX out of a $ XXXX check after months of me calling them. Then they told me I should receive the rest at a later date but I never received anything else. It happen XXXX XXXX. Everytime I call them they just gives me the round around but as of XX/XX/XXXX, I still haven't received my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Merchants Credit Bureau, Inc.
State: SC

Complaint narrative:
identify theft i have already filed a compliant with identiytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Cascade CISS Holdings, LLC
State: SC

Complaint narrative:
identify theft i have already filed a compliant with identiytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I was viewing my credit report and noticed hard inquiries that do not belong to me. XXXX XXXX  XX/XX/XXXX & XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: CA

Complaint narrative:
Since around 2023 affiants personally identifiable information continues to be trafficked by third parties without consent, or copyright license through an organized criminal scheme to deprive liberty under color of law. XXXX  has been denied housing due to the dissemination of false and derogatory information by credit reporting agencies and tenant screening companies, who knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright protected indigenous property for illicit financial gain and profits. 
These entities have willfully infringed upon XXXX 's exclusive rights as a copyright holder protected under the XXXX XXXX 's copyright registration XXXX, with the XXXX accession XXXX, by trafficking materially false information and engaging in unlawful screening practices against protected persons and property of the indigenous people

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 2024-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

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 2024-05-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX ) XXXX  : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX  : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX  : Account # : XXXX ( Opening Date : XXXX, XXXX, XXXX ), XXXX ( Opening Date : XX/XX/XXXX ), XXXX ( Opening Date : XXXX, XXXX, XXXX, XXXX ( Opening Date : XXXX, XXXX, XXXX ) XXXX ) XXXX XXXX XXXX Account # : XXXX ; Opening Date : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau . According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.

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 2024-05-09 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX, THIS ACCOUNT HAS NEVER BEEN LATE XXXX XXXX, Account number XXXX XXXX THIS XXXX NEVER BEEN LATE.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In regards to a fraud charge on a Bank of America Credit Card that they won't resolve : The facts of the case : onXX/XX/23 I was charged {$500.00} exactly from some random company called XXXX .... I have NO IDEA what this charge is. I did my research and the company is based out of XXXX. Reached out several times via email and phone call, nothing back once. I immediately filed a fraud charge, which took nearly XXXX months for them to deny. The FIRST denial letter states that " the items purchased was not returned correctly ... '' I asked for all the paperwork in regards to this and NOTHING was sent. I filed another claim, DENIED again. This time it stated " the merchant provided documentation confirming you received the merchandise ... '' Asked for this documentation as well, also NOTHING sent. Tried for a third time. This go-around I felt good about seeing how the lady I spoke to informed me that the IP address used to purchase the merchandise came from XXXX ( never been to XXXX ) , and was told this should be enough evidence to warrant an legitimate fraud ( was actually told that ) but obviously that meant nothing because I was yet again DENIED. During all these denials I also have been getting charged late fees. It has affected my credit adversely and also my son 's whom we put on the account after the fact so he could have access to the situation and help me. I am nearly XXXX years old and this is absurd. My son has been researching small claims court into suing Bank of America, but decided to go this route first in hopes of some type of resolution. Been on the phone more times than I want to count, been to the branch, everyone throws me in another direction and at this point I'm willing to do whatever it takes.

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 monetary relief
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
Experian always has the incorrect information for my XXXX XXXX ( XXXX XXXX XXXX ) credit card account on my credit report and each time I reach out to them they either never finish the dispute or report back that the company confirmed the erroneous information and just leaves it at that even though I have on occasion provided written proof that the information is incorrect. I have also provided them with an official letter from XXXXXXXX XXXX  stating the account has been paid in full. Since credit scores and information are a necessary part of a consumer 's life any credit reporting agency that fails in their duty to maintain 100 % accurate information should lose it's business license since these erroneous errors can and do cause hardship to 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 explanation
Consumer complaint received 2024-05-09 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: VA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX, THIS ACCOUNT HAS NEVER BEEN LATE XXXX XXXX, Account number XXXX XXXX THIS XXXX NEVER BEEN LATE.

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 2024-05-09 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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