vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
Despite repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists unresolved. The presence of these unauthorized items has profoundly disrupted my life, causing significant stress and XXXX, as I am a victim of identity theft who never consented to this information being associated with my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXXXXXX XXXX Date of Inquiry : XX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review 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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I deposited my paycheck into my new SoFi checking account ( XX/XX/24 ). I then went to make my rent payment and it said I couldn't due to 'security reasons ' ( XX/XX/24 ). I spoke to the online help service and they couldn't tell me what the issue was, nor how long it would take to resolve. 

It has been two days and I am worried they have my funds and I can not access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: NC

Complaint narrative:
I asked Hunter Warfield to stop contacting me in XXXX of XXXX on a recorded line. I received mail dated XX/XX/2024 that states it's an attempt to collect a debt. It reiterates the debt with a copy of my lease. I'm happy to provide the documentation they sent in the mail if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XX/XX/XXXX, XXXX I went o a Pep Boys tire shop to get XXXXXXXX XXXX but they did not have them available at the store located at : XXXX XXXX XXXX. XXXXXXXX XXXX so theyr ordered but XXXX did not arrive so I left waiting for over tow hrs. Later in the afternoon I got a caled form store saying I should take my car an XXXX it and thay will call me to pcik up my car, so I NEVER WENT BACK TO THE XXXX NOw too many XXXX from a bnck I did not applied for credit. I email pep boys customer service and i got a response but after I have been ignored over and over. Plrovide me an email addres to send the proof of the correspondance.

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 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The defendant, Portfolio Recovery Associates ( PRA ), is attempting to collect an alleged debt from me related to its purchase of a XXXX XXXX account and sued the Plaintiff in state court for {$2500.00}. 
In XX/XX/XXXX, PRA filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX ( case # XXXX ) for an alleged debt of {$2500.00} that PRA claims it was assigned to them from XXXX XXXX XXXX account # XXX ... XXXX ). 
However, PRA 's lawsuit was filed after the XXXX statute of limitations had expired under GA XXXX XXXX, as PRA had XXXX the Synchrony account in XX/XX/XXXX. This means Portfolio 's lawsuit in XX/XX/XXXX was filed on a time-barred debt. 
PRA improperly served the summons to an incorrect address which is why I did not answer the summons. PRA then obtained a default judgment against me on XX/XX/XXXX for {$2500.00} plus {$110.00} in court costs and a writ of fieri facias to record the judgment. 
By filing suit on a time-barred debt, Portfolio falsely represented the legal status and deceptively attempted to collect the debt. This made my private financial matters public record without merit. PRA 's actions have caused me substantial emotional distress, mental anguish, anxiety, and invasion of privacy that a reasonable person would find offensive.

In summary, PRA improperly sued and obtained a default judgment against me on a time-barred debt in violation Georgia state XXXX pertaining to the statute of limitations and the Fair Debt Collection Practices Act causing me significant harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TN

Complaint narrative:
They removed it off in XXXX they XXXX was filed debt was discharged at XXXX balance and regst are a company that. Bought an account that was XXXX and at XXXX balance they are trying to collect a debt that I do not owe I have never or have a contract with Debit Zion holdings I have never signed a contract with them nor Have I given them any permission to access of my personal information that has been sold to them. I have also hired an attorney to have them. Stop placing inaccurate information on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive called EXPERIAN, XXXX, XXXX, once but the one Ive contacted multiple time starting in XX/XX/year> when I was approved for my first credit card in regards to why do I not have a credit score they XXXX answered to give it another month so it can be posted 2 months later called and was told I had to have credit for 6 months then it would automatically post Im at XXXX months now and still nothing Ive looked online and did some research and came to the conclusion that the very first month of me having my own card in my name only I should of had a credit score, Im on not able to work on my credit because of this and am paying a lot on interest for this card and I cant look for any better because I have no credit score what so ever all Im asking is what anyone is able to obtain a credit score thats it I feel for some reason Im being discriminated against for unknown reasons and the runaround and lies are overwhelming.

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 2024-05-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-05-30 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: CA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Giact Systems, LLC
State: NJ

Complaint narrative:
We have tried calling and emailing GIACT, we have called at least XXXX times over a XXXX week period and they NEVER answer the phone, always a voicemail that you CAN NOT leave a message. Their company seems to have my personal information which I DID NOT authorize them to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC
State: TN

Complaint narrative:
Someone stolen my identity and now there are unauthorized accounts on my credit report that I have no knowledge of. My ssn was compromised while I was away overseas. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has significantly impacted my life, causing considerable stress and anxiety. I want to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: AZ

Complaint narrative:
I have reached out to XXXX  and experian on multiple occasions in regards to deleting inquires that I did not authorize and have not received a response. I did what they asked me and wrote a letter to the companies and havent received a response. It is the duty of transition and experian to remove hard inquires that were not authorized. I have been getting the run around since XXXX. I called to check on the status XX/XX/XXXX and XXXX the manager at XXXX  put me on hold and hung up the phone and never responded back this happens constantly and I can not get any answers from 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 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sold my XXXX to a car dealership in XXXXXXXX XXXX on XX/XX/year>. 

The dealership paid the remaining balance of the auto loan to Chase Auto Finance on XX/XX/year>. 

I called Chase Auto Finance today, XX/XX/XXXX, to ask why the title has not been released to the XXXX XXXX so that the car dealership can release a check to me for the remaining balance of the car sale amount owed to me. 

Chase Auto Finance said that the dealership did not pay with certified funds so they reserve XXXX business days ( comically counted as Monday-Friday, despite Chase being XXXX for business on XXXX ) to release the XXXX to the XXXX XXXX  XXXX 

I spoke with a supervisor at Chase Auto Finance and explained my frustration that Chase received the funds on XX/XX/year> and the funds have passed a XXXX business day settlement period. The funds are free and clear in Chases account. 

Chase has no valid or reasonable reason ( XXXX ) for wrongfully withholding the electronic lien release at this point. 

Chases actions are actively harming me by preventing my receipt of the balance of my car sale funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
The fraudulent, inaccurate, and misleading information on my consumer report has caused me significant stress and anxiety, despite my numerous attempts to address it. These items were not authorized or consented to by me, as I am a victim of identity theft.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I have always had my credit card set to pay the minimum monthly payment and at some point the setting was changed to pay the full statement balance and not only did I not authorize that change but I was not notified when the payments stopped going through and because its always been on auto pay I didnt check it. So when I woke up and Chase had taken almost a XXXX out of my bank account. I called to try and get the payment reversed and I was told it would be but there was nothing they could do about the late fees. I still have not received my money back even though it has been over a month and so I have disputed the charge with my bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
I heard a bullet go or a fire arm in the recorder, and the recorder took a picture. of the men that came " I did not hear anything as I am deaf and was hearing TV, since I am on oxygen and bedbound. My daughter was asleep and his son not in the house I took pictures, these men tried to oopen my door and my window and now the window does not close well, they broke it. 

They posted something in the door which is talking about a 3 day notice for eviction from some realtors. These realtors approached me to vacate my home, attached. it is my personal residence for the last 16 years and my husband ( late ) and I and my chidlren paid cash for it It is paid and we paid the property taxes, and all and reported to IRS since XXXX. 

These people I was told are from a company in XXXX or in XXXX 
XXXX XXXX. registered under the name XXXX XXXX XXXX as " owners '' of my house incorrect because XXXX XXXX ordered the attorney to deliver our titles to my family long ago and the attorney to collect from XXXX in XXXX We paid cash for our home. 

The case is a 10 year litigation, out of which we lived here 16 years as our personal residence, I sold it to my son in XXXX but we have not been able to close because first american could not get a note or a payoff from nationstar Who are these people, other fraudsters? They are never mentioned by our title insurance policy in XXXX Is this a " deal between mr cooper and XXXX XXXX and XXXX XXXX and XXXX XXXX '' with " XXXX XXXX and XXXX XXXX ''. I am the owner with my late husband ( probate in process ) and the heirs not anyone. the situation is on appeal with the courts because the bank Mr Cooper lost my XXXX dolars in cash sent through the fiduciary from XXXXXXXX XXXX XXXX XXXXXXXX checking account to payoff the tax form that mr cooper sent to the irs. XXXX has not been delivered back free of liens by nationstar I know fidelity title ( where XXXX XXXX, the escrow realtor who sold us the home at XXXX title in XXXX ) and XXXX XXXX hired a california realtor to post the sellingn of the home for XXXX which is absurd and I did not authorize him to do that. They were reported. However I never met the XXXX XXXX XXXX XXXX in XXXX ( XXXX and XXXX XXXX ) nor the connecticut company. 

They need to be added to the litigation too if hey are intruding. Please do not break my windows thummping on them and not try to enter my house messing with doorknowbs to open the door saying you are the " police ''. I have not committed any crime, on the other hand the bank has my retirment and the military pension of my husband ttah was paid for the paoff of the real estate contract over 6 years ago. Who are this people working with crooks or what are tey sent by bousliman, or by the bank?

Company response to consumer: Closed with explanation