vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account Is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Also I researched that in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX ) ( XXXX XXXX Account # XXXX ) XXXX : ( XXXX XXXX XXXX- Account XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX Account # XXXX ) ( XXXX XXXX # XXXX ) Please remove all inaccuracies from my credit report thank you so much for all of your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was the victim of a scam involving the change of my name on a flight ticket. 
When buying the ticket I typed the wrong name and when I tried calling XXXX to fix it, around XXXX, XXXX took me to a scammers phone number that charged me XXXX USD to fix my name when actually that service is done for free.

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 2024-08-15 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: MN

Complaint narrative:
This late payment doesnt show my usual payment habits. Please remove it and update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
The synchrony bank charge is closed with a XXXX interest program I paid off the balance XXXX $ its been a whole month the updated status in not reported and there charging me a late payment on my account XX/XX/year> wich I contacted them they said its nothing for them to do. I would like them to delete the payment cause they dont have consent to file late payment when account was closed by granter. I would like the late fees be removed due to the fact the balanced was paid offf. Before XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-08-15 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: TN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-08-15 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-08-15 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: NE

Complaint narrative:
Hi this is XXXX Please help me to stop all the disputes that I been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a credit card number XXXX XXXX XXXX XXXX with Bank of America under my name and they cancelled with no further notice with XXXX payments delay, they closed a SECURED credit card without any notification, and when I made the payment in the third month, I noticed that it didnt go through because the account had been closed. They claimed that I had answered a phone call and confirmed that I was aware of the closure, obviously that never happened. I asked for the last XXXX statements in order to have by written I did a payment before the third month of delay ; but the told by phone today me the account was closed and they do not have statements anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
Subject : Complaint Against ChexSystems for Unauthorized Furnishing of Account Information Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding ChexSystems for the unauthorized furnishing of account information reported on my consumer report. I have attached my identity theft affidavit and a detailed letter outlining the issues at hand. 

ChexSystems included account information in my report without obtaining my explicit consent or written authorization, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies must secure proper consent before including information on a consumers report. 

To support my complaint, I wish to highlight relevant federal cases that underscore the seriousness of these violations : 1. **Cunningham v. Equifax Info . Servs., LLC**, 2018 U.S. Dist . LEXIS 216015 ( E.D. Mich. Dec. 21, 2018 ) : This case illustrates that consumer reporting agencies must ensure the accuracy and legitimacy of information included in consumer reports and adhere to strict compliance standards. 

2. **Miller v. Equifax Info . Servs., LLC**, 2019 U.S. Dist . LEXIS 5607 ( N.D. Ill. Jan. 11, 2019 ) : This case reinforces that a failure to correct inaccurate information after being notified constitutes a violation of the FCRA .

3. **Murray v. Experian Info. Solutions, Inc.**, 2019 U.S. Dist. LEXIS 43435 ( N.D. Ill. Mar. 14, 2019 ) : This decision highlights the importance of obtaining proper consent and provides a precedent for holding consumer reporting agencies accountable for non-compliance. 

Given the gravity of this issue, I intend to file a federal lawsuit for violations of the FCRA. The unauthorized reporting of my account information has caused undue stress and potential harm to my credit profile. 

I request that the CFPB investigate this matter thoroughly and take appropriate action against ChexSystems to enforce compliance with the FCRA. Your intervention is critical to ensuring that my consumer rights are protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: WA

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and anxiety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Professional Credit Management, Inc
State: AR

Complaint narrative:
PROFFESSIONAL MANAGMENT CREDIT THIS COMPANY HAS BEEN REPORT I DONT KNOW THESE PEOPLE I DONT OWE THEM ANYTHING AND IT NEED BE TAKING OFF I DONT KNOW THEM AT ALL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am disputing an incorrect late payment entry on my credit report related to my Freedom Mortgage account ( Account XXXX : XXXX ). 

On XXXX, I attempted to make my mortgage payment through Freedom Mortgages online payment system. However, due to a technical error with the system, the payment did not post to my account. I was not made aware of this issue until after the payment due date had passed. Upon realizing that the payment had not been processed, I promptly made the payment on XX/XX/year>. 

Despite my immediate action to resolve the issue, a late payment has been reported on my credit report. This is incorrect, as I have never missed a payment by more than 30 days in the history of this account. The reported late payment has resulted in a significant drop in my credit score by nearly XXXX points, causing a substantial financial burden on me. 

I am requesting that the incorrect late payment be removed from my credit report, and that my credit report be updated to reflect that no payments have been missed beyond 30 days. This correction is crucial to restoring my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: MS

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I sent a payment of {$380.00} to a family member using Cash App. The family member recently got a new phone and can not log into his Cash App account. He is elderly and not very proficient with apps. He can not log into his account to receive the money that I sent him. 

He called Cash App customer service and they told him he can not recover his account. So I called customer service and asked to cancel the payment so that I could get the money back, but they refuse to cancel the payment. 

I want to retrieve the {$380.00} that I sent because my family member can not get into his account to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In XXXX and XX/XX/year>, I noticed I was being charged {$1.00} for a " paper statement, '' from Lowes. I spoke to the Lowe 's manager in XXXX XXXX, MN who said it was Synchronicity Banks 's decision and Lowes had nothing to do with it. Since I had not been notified or asked if I wanted to pay an additional {$1.00} for Lowe's/ Synchronicity Bank 's cost of doing business expenses I called Synchronicity Bank too , and was told they would refund {$3.00} for XXXX and XXXX but they would not send a bill without charging the fee because I could pay my bill on line. I have had a 38 year history in banking and ABSOLUTELY will not be forced to use their on line pay ( unless they want to pay me and agree in writing be held responsible for losses due any hack they might experience. ) So I got a credit of {$3.00} to my XXXX statement which had no balance on it. So there is no way I can redeem my {$3.00} without charging and being forced to go on line or again be charged {$1.00}. I know it's not a big sum, but I refuse to be forced to use a computer to pay ; furthermore, I do not get my discount with Lowe 's unless I use their card. 
I also have an account with them through XXXX XXXX. That statement has last month, an additional XXXX cents charge on it. The statement is for a item that has a set monthly repayment amount on it. 
I did not agree to either of these fees and I am incensed that they, however small, can be charged after the fact and without my 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 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Very difficult and disappointing to work with CapitalOne. Card has always restrictions and they want me to submit the same docs. I would love to use this card for my everyday purchases but can't. How many times do I need to submit new documents? It's just terrible customer service especially last time calling them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, I received a collection notice indicating a balance of {$4100.00} allegedly owed to an apartment complex where I resided briefly from XX/XX/XXXX to XX/XX/XXXX. This lease, however, belongs to my former partner. Upon moving out, I signed a physical release form, returned my keys, and vacated the premises. Unfortunately, my former partner has not paid the amount owed. The apartment complex now asserts that I never moved out and claims they do not have any record of the signed release documentation. 

I had no prior knowledge of this debt until I received the notice from the collections agency. As this debt is not my responsibility, I request that it be removed from my records with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation