vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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:
from XX/XX/year> through XX/XX/year> the following EXPERIAN inquieries where made to my account without any authorization. 

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 2024-06-07 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: PA

Complaint narrative:
To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 

XXXX XXXX TransUnion TransUnion Account # : 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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I reported to my bank on XX/XX/year> that a transaction from XXXX XXXX should have fallen off of my account. We were at this hotel however we ended up not staying because we didn't have enough to cover the deposit. The guest services manager told us that it was just a pending charge and it would come back since we didn't receive services from the hotel. It didn't, so I filed a dispute with my bank, Sofi. 

A few days later I received an email from them regarding my dispute that said " we will take up to 90 days to investigate this claim. '' I responded about receiving a provisional credit while they investigate, and received an email back telling me that it doesn't qualify for a provisional credit while they investigate. This is my first time ever disputing something on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I am requesting Old address inaccurate address be removed from my credit report and updated to this current address. 

XXXX XXXX XXXX XXXX Ca XXXX Furthermore ...... 


I am writing to formally request a thorough reinvestigation into the inaccurate accounts on my consumer credit report. I have identified several erroneous instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is a violation of federal regulations and a breach of consumer trust. 

Additionally, you are in violation of the Privacy Act of 1974, as I was not given an opt-out notice as required by 12 CFR 1016.4, which mandates initial privacy notices to consumers.

I insist on strict compliance with Metro 2 reporting requirements. Therefore, I request irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into 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 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase with my XXXX Mastercard for {$2500.00} and another on XX/XX/XXXX for {$3200.00}. Both charges were shown as pending transactions on the day of purchase. On XX/XX/XXXX I cancelled the {$2500.00} order and the vendor issued a refund. 

As of XX/XX/XXXX, Synchrony Bank is showing all transactions posted and all still pending. They did not remove the pending authorizations even though the transactions fully processed and posted, including the refund of the original {$2500.00} charge that was also posted. 

As a result, Synchrony is showing available credit of - {$3100.00} due to hitting me with duplicate posted and pending transactions. Every other bank removes a pending authorization the moment a transaction is processed and posted. The account manager I spoke with on the phone, XXXX, said that this is an issue with the merchant and that they double charged me on the two days, and only one of each transaction posted with the remaining double still pending. However, another representative I subsequently spoke with said there aren't any double charges on the merchant 's end and that their authorization remains valid for a specific amount of time even though the transaction processed and posted. 

Synchrony is telling me to wait 5-6 days for the pending transactions to fall off my account even though the original authorizations already posted, making this MY PROBLEM. They are trying to blame the vendor, who has verified that they DID NOT double charge me. I am not being given a clear answer as to why I have to wait for pending transactions to fall off even when they were already processed and posted. All they can do is blame the vendor who didn't do anything. I was also told its something with the " online ordering process '', which makes no sense. I have never experienced this ordering from this specific vendor with my other credit cards or any other vendors/credit cards, only the Synchrony Bank XXXX Mastercard & Synchrony bank policies that harm the customer seem to be the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: KY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I don't have a date other than XXXX when I received a debit card for an apparently fraudulent ATM card for a citi bank account that I did not open. Upon calling them and explaining this situation was mailed paper work to be filled out and sent back. Having done this was notified that my fraud claim was denied. Called them to say that if I had opened this account ( which I did not ) I should be able to close it. Was told that the account could nat be clossed until an appeal had been made. I don't want to appeal but if they feel that I opened the account I should be able to close it.

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 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My auto loan is serviced through Chase, which I have had for a little of XXXX years for a XXXX XXXX XXXX. I have never been late, I actually pay my payments XXXX months in advance. 

I was in a car wreck in XXXX which I incurred some unforeseen expenses with the insurance car wreck, medical out of pocket expenses and currently going through XXXX XXXX. 

I spoke with a Chase representative and manager on XX/XX/XXXX explaining my situation and requested for a XXXX month extension on my loan. The agent went through a series of questions to identify the issue. Once completed she informed me that I didn't qualify for the extension due to my loan being current and I was still attending doctors visits. I explained that this was a short term situation and I was still working and if allowed the XXXX month extension it wouldn't be such a financial burden to continue paying on my existing bills. I have never gotten an extension on this loan, so this seemed extremely wrong being that fact I'm trying to be proactive to keep my affairs in tack. I was informed I can contact them back ( Chase ) once I'm past due to possibly discuss a payment plan. This simply falls under a UDAP experience that I'm not being allow the same opportunities as someone that's late on their loan to be approved for an extension, or having the opportunity take advantage of an extension offer as I'm current and they're late. 
Being current doesn't mean I should be penalized for paying my loan on time, I should and all consumers should have the same opportunity when I'm experiencing an hardship as a consumer that's past due does. This just seems unfair that Chase only extends help at the benefit and interest to help their portfolio preying on the weak to help minimize losses and forgo those that actual help their portfolio during forecasting and profit-sharing time. 

So basically what Chase is implying, I have to impact my credit and gain more interest from me to even possible be helped in regard to my hardship. I won't stop there as being past due base on what the agent stated qualifies for a payment arrangement so this may require you to go over 30 days before willing to help... Which then will impact my credit just to get some help!!! This matter needs to be addressed as unfair practices and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that CREDIT COLLECTION SERV purchased from another 3rd party debt buyer. XXXX XXXX XXXX and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Credit Collection Serv is to CEASE and DESIST further communication with me and shall not communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: OK

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 each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: Windham Equity Company
State: VA

Complaint narrative:
Lease- Rental is reporting on my credit report as an inquiry. I called them, and they researched and found that there was no record of my applying for credit with their company. I am asking that XXXX and Lease- Rental remove my inquiry for the credit report immediately. I have attached a letter from the Consumer Federal Trade Commission. 
My complaint number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE FOLLOWING EQUIFAX INQUIERIES WHERE NOT AUTHORIZED AND WHERE POST INTO MY ACCOUNT FROM XX/XX/XXXX TO XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed on my transunion report there are XXXX accounts on there that i have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove or help me with this

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 2024-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is not my credit card ; I am just a cosigner. The account is open, but my credit report shows it as closed. Payments are overdue, with {$100.00} in scheduled payments. I am handling this situation, but the debt is not mine. 

1. He's been making payments in which you didn't know about causing your credit score to decrease. 

XXXX. You have talked to your family member to bring the account back to current status with a posible pay off. This Home Depot Card was originally owned by my father-in-law and the account remains open.

3. You will be monitoring the account going forward. And send us a statement with account balances as he's making these payments

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