vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
JCPenney card holder for many years, inadvertently missed a payment or two over the past couple of years, but only by a day or two - I was travelling and not able to contact or be online. JCP/Synchrony charged {$41.00} late fee, more than the actual minimum payment due. Further, they increased the interest rate to an unconscionable amount. 

Yesterday ( monthly payment due date ) I called and asked for the late fee to be removed but was denied. The amount due was only the prior month 's late fee ( {$41.00} ). This morning I closed the account.

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 2024-09-06 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX BANK 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX  XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My personal checking account as well as my business account was closed at Chase bank. I received the check in the mail with the remaining funds of my personal account but they have suspended my remaining funds in my business account even though the account has been closed by them. I called customer service numerous times over the last 2-3 months. They have not given me a reason as to why they are withholding my funds nor have they given me a time frame of when it will be released. They said the back office needed verification. Verification has been sent from XXXX bank but they have yet to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-09-06 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: GA

Complaint narrative:
I am not responsible for these inquiries and have no ties to the listed creditors.

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 2024-09-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding Paid Off Loan account with XXXX XXXX Dear CFPB Team, I am writing to bring to your attention an issue I encountered while attempting to dispute an account with TransUnion. I reached out to their dispute department regarding an account that has been paid in full, and I believe it has not been updated accordingly in my credit report. 

Despite my efforts to provide the necessary documentation proving that the loan was paid, I have not received a satisfactory resolution to my dispute. 

I kindly request your assistance in resolving this matter with TransUnion to ensure that my credit report accurately reflects the status of this account. I have attached copies of relevant documents, including payment confirmations and correspondence with TransUnion for your reference. 



Sincerely, XXXX XXXX XXXX Still Hasn't seen an update

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> I received an offer from " Breadcashback '' to obtain a pre-approved credit card. I completed the application as requested and sent it to the company. 
* I subsequently received a response from the company via a letter written on XXXX which stated as follows : They were unable to approve the application because they could not verify my Social Security number against the information they received from the XXXX credit-reporting agency. They advised me to contact the Credit Agency, which I did and subsequently received a report verifying my information was correct - my credit was described as exceptional. 

* I subsequently contacted Comenity to advise them of the above. The first call was transferred twice and then was dropped when I was speaking with " XXXX. '' I called back and spoke with " XXXX, '' who advised that my application was denied and that the decision was Final. I requested a transcript of our conversation and advised that I would have to request it in writing. I told him that I thought the decision was discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2024-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last week I bought Crypto from XXXX. My email address associated with the XXXX account is XXXX. Trouble is, XXXX never sent me my crypto. So they stole my money and never gave me any crypto. This is fraud. Bank of America informed me that I am unable to report this as fraud, which is not right. The company literally stole my money. When we complained to Bank of America last week they said that my payment to XXXX was still processing and there was nothing they could do until processing was done. " When will it be done? '' They told me last week it would be done processing by the end of the day. So we contacted Bank of America support this week again on Tuesday, they told us, the processing would definitely be done by Wednesday. Well, here it is Friday, and the processing still isn't done! 

We keep contacting Bank of America and they keep stonewalling us, changing their stories. XXXX has fraudulently stolen my money. Not only does Bank of America refuse to report them for fraud, they also refuse to do anything on account of their processing glitch. They are of no help whatsoever. They just keep stringing me along to get me off the phone. 

So XXXX illegally steals my money and Bank of America has absolutely no recourse for me, the wronged party. This is fraud and it should be reported as fraud. As it is, the wronged party, have no recourse whatsoever. My email address associated with Bank of America is 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 2024-09-06 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: NC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and Experian are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section. According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and XXXX, XXXX, and Experian do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and Experian are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XXXX XXXX Balance : XXXX Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$11000.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
all personal information is incorrect, there are 3 names that do not apply to me as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also there are multiple addresses that are not associated with me either and they are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
there is also a collection they are refusing to remove which is XXXX XXXX XXXX balance XXXX dollars Date reported XX/XX/XXXX, XXXX are also inquiries that do not belong to me, i have not applied for any of these accounts, they are in no way associated with me. XXXX is very very difficult when requesting for them to rectify inaccuracies on my credit report as does XXXX however lets start with XXXX these are the accounts that need to be XXXXXXXX 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  Also They are refusing to remove the bankruptcy which has been XXXX XXXX XXXX XXXX XXXX with a filing date of XX/XX/XXXX, XXXXPlease assist with XXXX being compliant by encouraging them to please remove all inaccurate information, this is affecting my day to Day living and is Hindering me from obtaining a place to live and from obtaining gainful employment. 
My correct Name is as Follows XXXX XXXX XXXX and My Correct address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my Telephone Number is as follows : XXXX. My Email address Is as Follows : XXXX. 
Please feel free to Contact me if necessary at your earliest convenience. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
all personal information is incorrect, there are 3 names that do not apply to me as follows : XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX Also there are multiple addresses that are not associated with me either and they are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
there is also a collection they are refusing to remove which is XXXXXXXX XXXX XXXX balance XXXX dollars Date reported XX/XX/XXXX, XXXXThere are also inquiries that do not belong to me, i have not applied for any of these accounts, they are in no way associated with me. XXXX is very very difficult when requesting for them to rectify inaccuracies on my credit report as does XXXX however lets start with XXXX these are the accounts that need to be removedXXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX  Date XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Also They are refusing to remove the bankruptcy which has been discharged XXXX XXXX XXXX XXXX with a filing date of XX/XX/XXXX, XXXXPlease assist with XXXX being compliant by encouraging them to please remove all inaccurate information, this is affecting my day to Day living and is Hindering me from obtaining a place to live and from obtaining gainful employment. 
My correct Name is as Follows XXXX XXXX XXXX and My Correct address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Telephone Number is as follows : XXXX. My Email address Is as Follows : XXXX. 
Please feel free to Contact me if necessary at your earliest convenience. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation