vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
I have no knowledge of the following inquires and accounts XXXX XXXX XXXX, XXXX, XXXX 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 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. THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Disputing Accuracy of Credit Report Dear Equifax, I am writing to dispute the following information in my credit report. The items in question are not accurate. 

Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX Employer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( 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.

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Regarding the treatment of inaccurate or unverifiable information, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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.

I am requesting these items identified permanently removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My XXXX account was hacked. The hacker purchased {$1500.00} on XX/XX/XXXX and XX/XX/year>. The products were sent to my house but I did not place this order nor was I aware of this order. When I called XXXX on XX/XX/year>, the account number, email, password, and name had already been changed. XXXX would not provide me with return information because they could not find my account. When I contacted XXXX the following day, they opened a case but closed my case 4 months later stating XXXX told them it was a valid purchase. I have filed a police report with the XXXX XXXX XXXX, a complaint with the Better Business Bureau, and the Attorney General, Federal Trade Commission. XXXX still will not forgive this debt. They are illegally holding me responsible for a purchase I did not make or approve. XXXX claims they need support documents from XXXX confirming the account was hacked. Since XXXX can not find my account or this order, they will not provide such documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I see on my recent bill a {$1.00} for a Paper Statement Fee. Now this is totally ridiculous with the interest charged on the card to begin with. Another way to increase profits? I thought airlines are bad with fees. I see XXXX is jumping on the same bandwagon to increase profits with these ridiculous " Fees ''

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 2024-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is the second time Synchrony Bank has closed my account. I held a XXXX 's and an XXXX 's XXXX XXXX card with Synchrony Bank. Both accounts were always paid early or on time, I always paid more than the minimum payment required, and I was never over my credit limit. In Both instances, Synchrony closed accounts of mine in close proximity to a major purchase I made with another credit card company. This bank is punishing me for using credit that other banks have granted me. These closures negatively affect my credit because of the effect the closure has on my average credit age. I would expect a closure if I failed to keep an account in good standing. That is not the case here. While I admit that I am rebuilding credit, making a purchase and paying it off over time should not be an excuse for a bank to punish me by closing accounts.

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 2024-12-01 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
I checked my XXXX Experian and XXXX credit reports and noticed there were unauthorized/fraudulent inquires on each report ranging from XXXX has 7 XXXX has 10 XXXX has 5 , under the fcra guidelines each fraudulent inquires should be removed immediately. I am furnishing the inquires in the order of Experian, XXXX, then transunion

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 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Greenlight Financial Technology, Inc
State: GA

Complaint narrative:
I closed my XXXX account in XXXX of XXXX and the company never refunded my funds or sent a check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Company reporting that what the consumer lay no claim to Consumer dispute the 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 non-monetary relief
Consumer complaint received 2024-12-01 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: AR

Complaint narrative:
I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT FILE THAT DOSENT BELONGS TO ME, I ALSO NOTICED FRAUD INQURIES THAT I DIDNT AUTHORIZE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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 submitting this complaint to dispute a fraudulent account that has been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized the creation or reporting of this account. Despite multiple disputes, the account remains on my credit reports. 

The disputed account is : XXXX XXXX XXXX In addition to my concerns about Identity Theft, this account contains inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period, which violates the Fair Credit Reporting Act

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 2024-12-01 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: CA

Complaint narrative:
I am submitting this complaint to dispute a fraudulent account that has been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized the creation or reporting of this account. Despite multiple disputes, the account remains on my credit reports. 

The disputed account is : XXXX XXXX XXXXXXXX In addition to my concerns about Identity Theft, this account contains inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period, which violates the Fair Credit Reporting Act

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 2024-12-01 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: CA

Complaint narrative:
I filed an FTC complaint ; the FTC Report Number is : XXXX I do not authorize incorrect information on my credit report. This includes but is not limited to hard inquiries. The hard inquiries that are appearing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
toyota financial services accusing me i have a 120 day late payment for my car loan which is not true because i have automatic payments every XXXX of the month and my due date is every XXXX of the month. my credit score went down significantly because of toyota financial services reporting that i was late payment. it was resolved before in they fix their mistake but it happened again my credit score was down again because they kept reporting me i have late payments. i already dispute it but no action, it really affects me and my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DRB-40, LLC
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repeated phone calls XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repeated phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX  which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXXIdentity Theft. 
XXXX Account Number:XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXXIdentity Theft. 
XXXX Account Number:XXXX Please investigate and delete from my credit report. 
XXXXXXXX XXXX XXXX Account NumberXXXX Please remove it from my credit report. 
4.Identity Theft. 
XXXX Account NumbeXXXX XXXXXXXXIdentity Theft. 
XXXX XXXX  Account Number:XXXX Please ensure that all information is accurate XXXXIdentity Theft. 
XXXX  Account Number:XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXXIdentity Theft. 
XXXX Account Number:XXXX XXXXIdentity Theft. 
XXXX  Account Number : XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : XXXX. Defamation of Character XXXX. Negligent Enhancement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance XXXX. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy XXXX. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NJ

Complaint narrative:
Loans were from XXXX  and are in a borrowers defense case The amount totaling XXXX  With and interest of XXXX  Principal of 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 2024-12-01 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: NJ

Complaint narrative:
Loans were from XXXX and are in a borrowers defense case The amount totaling XXXX With and interest of XXXX  Principal of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NJ

Complaint narrative:
Loans were from XXXX  and are in a borrowers defense case The amount totaling XXXX With and interest of XXXX Principal of 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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently had a frustrating experience with a furniture delivery that I'd like to share. The delivery team arrived but quickly assessed that the box wouldnt fit through my doorway, even though another company had successfully delivered furniture to my apartment before. The driver didn't measure anything ; he just assumed it wouldn't fit. I suggested they take the furniture out of the box, as I had paid for delivery to the room of my choice and wasn't concerned about how they managed it. 

While I was on the phone with the furniture company discussing the situation, the driver drove off with my furniture. Several days passed without any updates, and when I finally heard back, they wanted to know if I wanted redelivery. I had taken a day off work for this delivery, and I have a witness who saw everything unfold. 

To make matters worse, my credit card company, Chase, claimed that I had canceled the order and imposed a cancellation fee. Yet, my credit card has been charge the full amount. This didnt make sense to me since the delivery team left with my furniture without even taking it off the truck. The driver had mentioned that the furniture would get dirty if he delivered it, but I was okay with that as I had also purchased a warranty for it. However, I was charged an extra {$100.00} for this warranty, which I found questionable since it wasn't clear on their website. Along with another XXXX dollars for brackets to hold the couch together. I had to change the order and called in and they up charged me XXXX dollars. 

It feels like a scam, as by Illinois law, the company should honor the contract by delivering on the agreed date. Instead, they're claiming I canceled. I attempted to arrange redelivery, but they now want to charge me {$300.00}, which is ridiculous. When I inquired about cancellation fees due to their shadiness, they informed me they had already disposed of the furniture and Id have to reorder it. 

Chase also refused to refund me, insisting I canceled. I only refused to take the furniture after they drove off with it. Even now, in trying to resolve the issue, they are still trying to charge me that additional fee. It's incredibly frustrating, especially since they no longer have the furniture, and I believe a refund is due.

Company response to consumer: Closed with explanation