vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data Check of America LLC
State: TN

Complaint narrative:
Unsolicited calls from a company called XXXXXXXX XXXX XXXX ( a known scam ) saying I owed a debt of {$31.00} to a cable company from XXXX via a bounced check. Added fees state I now owe {$300.00} Stated all attempts to contact me were not responded to. I never received anything from DataCheck USA over the last 29 years. Cable company no longer exists. Ive had the same phone number for 24 years. I dont owe anything to these people. I informed XXXX I would file this complaint and for them to inform DataCheck USA of same. I can not even find them online if they even exist. I told them to remove me from their call list.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After do a loan Modification during a rough time, I have paid off all balance besides the forgone balance which was pushed to be due at the maturity of the loan in XXXX. Did not make any payments for a year because balance was shown at XXXX now all the sudden in XXXX of XXXX my account now says balance of XXXX cents, and I would receive calls stating I owed XXXX dollars or XXXX dollars, always a different number. My credit report on XXXX page says account paid in full and XXXX page says balance is {$1.00}. Can't get a direct answer from anyone and all employees answers are different. They have now reported me 30 days late in XXXX and XXXX or XXXX when my remaining balance clearly states it is the forgone balance that is due at maturity of the loan, which is XXXX. I have requested copies of loan mod documents, but they are not willing to Produce them for me. I feel the late marks on my credit are in necessary and I need XXXX answer of what is expected since each person and report and statements all have different information.

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 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Since XX/XX/year>, when I opened my account and got the XXXX XXXX card from Synchrony Bank I have had many problems making the payments. I made XXXX of the XXXX payments online using my correct banking information that Synchrony had on file in my online account information. These XXXX payments did not give me a confirmation number or code or email me confirmation of the XXXX different payments. I got a letter in the mail that the payments did not go through and that now my payments were late ( a mark against my credit ). The other XXXX times I made a payment over the phone, I also did not get a conformation email but the payments did go through. Synchrony Bank closed my account before even attempting to clean up the mess their banking/payments process works or even attempt to try to help me in any way. : ( Also I cancelled my card after it first came in the mail and asked that another not be sent but a new one was sent out to my home without my request. This could have gotten real ugly but thank XXXX I was the one who got the mail that day.

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 2024-04-16 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: PR

Complaint narrative:
In my credit initially appears a debt of a car that I made with XXXX. 

This debt was transferred to XXXX XXXX for the month of XXXX and XX/XX/year> they reported a delay that is not correct. I even went personally to XXXX and they do not know how to confirm these arrears. 

Then I have made multiple steps with TransUnion medinate call or letters and they write me that the information is correct. 

When XXXX XXXX itself can not confirm these arrears. 

Who is lying? TransUnion or XXXX XXXX? 

So who here is protecting us as customers? 

I am therefore demanding that this XXXX XXXX account be corrected or removed from my credit. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: CA

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, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 2 Account Number or other information to identify account : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 3 Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 4 Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

I have attached a copy of my report with the accounts in question circled. 







Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing to escalate a dispute regarding inaccurate information on my credit report, which has been verified by XXXX XXXX despite my efforts to provide evidence proving the inaccuracy. 

Disputed Information : On XX/XX/2024, I submitted a formal dispute to XXXX XXXX regarding inaccuracies on my credit report related to account paid in a timely manner. but bureau is reporting collection. I provided detailed documentation and evidence supporting my dispute, including documentation from my credit report using XXXX XXXX. 

Verification Without Investigation : Despite the evidence provided, XXXX XXXX has verified the accuracy of the disputed information without conducting a thorough investigation into the matter. This response is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate consumer disputes and correct any inaccuracies. 

Request for Intervention : I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that XXXX XXXX fulfills its obligations under the FCRA and conducts a proper investigation into the inaccuracies on my credit report. I also request that appropriate enforcement action be taken against XXXX XXXX for its failure to comply with regulatory requirements. 

Enclosed with this letter are copies of all relevant documentation, including my credit report, dispute letters, and any correspondence with XXXX XXXX. I request that you investigate this matter promptly and inform me of the results of your investigation. I want Portfolio Recovery/Original Creditor XXXX XXXX removed! They never informed me through mail, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report. Account # Portfolio Recovery XXXX Original Creditor XXXXXXXX XXXX. Account # XXXX Portfolio Recovery Original Creditor XXXX. They have no evidence that the delinquent account is mine. The only account that is mine was paid on time! 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
Delete hard inquiries 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 604 a section 602A 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 reporting containing any of the following items instructions any other adverse item of information other than record of convictions of crimes whish antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( a ) ( 5 ) 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. 

Deleted the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion and XXXX regarding their unlawful actions and inaccurate reporting of my credit account with XXXX XXXX. Despite my repeated efforts to rectify the situation, TransUnion has persisted in reporting my account negatively even after I filed a XXXX XXXX XXXX with XXXX XXXX. This has resulted in severe XXXX XXXX and an inability to terminate my contract without further detriment to my credit report. My grievances against TransUnion are outlined as follows : XXXX. Violation of Consumer Rights : TransUnion and XXXX 's actions flagrantly violate my rights as a consumer, as outlined in 15 U.S Code 1635. Despite my exercise of the right of rescission by filing a XXXX XXXX XXXX  with XXXX XXXX, TransUnion has continued to report my account negatively, obstructing my ability to exercise my legal rights. XXXX. Inaccurate Reporting : TransUnion and XXXX persistently reports me as late on payments to XXXX XXXX, despite my consistent and timely payments with no outstanding dues. This erroneous reporting has marred my credit history and exposed me to unjust financial penalties. XXXX. XXXX XXXX XXXX : TransUnion and XXXX 's continuous negative reporting has subjected me to relentless XXXX XXXX XXXX from XXXX XXXX. Despite my XXXX XXXX XXXX, XXXX XXXX refuses to acknowledge it and insists on penalizing me for fictitious delinquencies, causing significant emotional distress and financial hardship. Furthermore, on XX/XX/XXXX, TransUnion and XXXX reported a late payment to XXXX XXXX and XXXX, despite my timely payment of my car note. This action egregiously violated my consumer rights. Although TransUnion and XXXX corrected the status the following day, my XXXX XXXX on XX/XX/XXXX erroneously shows late payments of XXXX days, causing me considerable XXXX XXXX. I am invoking my rights under 15 U.S. Code 1640 and XXXX CFR Part XXXX ( Regulation Z ) to seek civil liability against TransUnion for their unlawful actions. I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take appropriate action against TransUnion for their flagrant violations of consumer rights and inaccurate reporting practices. Additionally, I request that TransUnion be compelled to rectify the inaccurate information on my credit report and cease all further harassment and intimidation tactics. Attached is relevant documentation, including correspondence with TransUnion, XXXX and XXXX XXXX, to support my complaint. Please feel free to contact me if additional information is needed. Thank you for your attention to this urgent 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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/year>, I called to close my US Bank Bank account because I had just opened a XXXX  account with XXXX XXXX and I didn't plan on banking with US Bank anymore. The person we called to close the account said that they would mail me a check with the remaining balance, and that we would receive the check in XXXX business days. Once XXXX business days have passed and since then I have called US Bank multiple times regarding the situation. Every single time I call they either tell me to wait longer, or some other reason. The last update I got was around XXXX weeks ago when I called to talk to a XXXX. They said they would send a paper for me to sign that would cancel the check so they can issue me a new one. They said that would arrive in XXXX business days, but over XXXX business days have arrived and we have yet to receive any mail at all from US Bank XXXX My closing balance was 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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am capital one Credit card customer since quite some time. Suddenly last week I got the email that my credit limit is increased for my credit card which I NEVER requested. 

When I contacted customer service, first she said that capital one didnt do it from there side but I requested the increase. After I repeatedly denied about it she put me on hold and ultimately accepted that Capital one increased the limit on it's own.

The problem is : 1 I never requested it and I never wanted credit limit increase.

2 Now they have already increase limit ( without my consent ), if I request decrease, it will impact my credit score which is unacceptable to me 3 Capital one used my data and took action without my consent on my credit which is unacceptable and totally unlawful 4 When I asked customer service whether Capital one gives any control to customer to opt out of this auto increase, she said NO. So capital one doesnt give control of the data to customer plus on the top it they are using customer data without consent and even take action on it 5 If my credit card is lost or stolen ( or anything else ) I am carrying the additional risk 6 When I requested the customer service to decrease my credit limit as capital one increased without my consent, she did NOT submit the request and was enforcing me to talk to XXXX whereas I was already on call for approx XXXX minutes. 
XXXX I said that I dont have time to discuss with XXXX and asked her to submit the request, she did NOT do it. My credit limit is still higher. So Capital one didnt work on request at all & just ignored the wrong doing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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 was in the process of checking my credit with the credit agencies and I noticed XXXX loans under my name that i did not open and have no knowledge about. i believe these are fraudulent XXXX loan accounts opened in my name which is now affected my credit i need these removed immediately please. 

The fraudulent auto loans are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have or own a XXXX and neither do I have any XXXX related with XXXX XXXX. 

I have filed an FTC report for these fraudulent accounts and I really need help getting this removed 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 non-monetary relief
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
I was in the process of checking my credit with the credit agencies and I noticed XXXX loans under my name that i did not open and have no knowledge about. i believe these are fraudulent XXXX  loan accounts opened in my name which is now affected my credit i need these removed immediately please. 

The fraudulent XXXX loans are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have or own a XXXX and neither do I have any XXXX related with XXXX XXXX. 

I have filed an FTC report for these fraudulent accounts and I really need help getting this removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
XXXX XXXX is intentionally reporting incorrect and misleading information. Im beginning to think this is retaliation for not getting another vehicle with this company and or racially motivated. Instead of correcting account status theyve updated my account to look as if payments were past due when in fact they were not Ive attached proof of payments. I actually paid more prior to dealer buy back because thats what I was told to do even though I thought it was odd. I did whatever I was told because I didnt want to negatively affect my credit.

The loan original balance, payment history, and account status in INACCURATE and Ive sent proof. I have receipts of payments, recording and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is intentionally reporting incorrect and misleading information. Im beginning to think this is retaliation for not getting another vehicle with this company and or racially motivated. Instead of correcting account status theyve updated my account to look as if payments were past due when in fact they were not Ive attached proof of payments. I actually paid more prior to dealer buy back because thats what I was told to do even though I thought it was odd. I did whatever I was told because I didnt want to negatively affect my credit.

The loan original balance, payment history, and account status in INACCURATE and Ive sent proof. I have receipts of payments, recording and text messages.

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