vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/24 I made a payment of XXXX on my Venmo account from Synchoncy Bank. 
I woke up on Monday and the credit company made another payment of {$3700.00}. I did not do that payment. 
I called my bank and paid for a stop pay. 
I called Venmo and explained what happened. They suggested I do what I did. 
Venmo tried XXXX more times the next day tried to take that payment. I called again and they said to call back to discussed the XXXX payment for non payment. 
Today I found out they closed my account.i called and they could not explain why. I did what I was told to do. 
This is all within a week of the transaction. 
I filed a federal fraud because my account could of been hacked. 
I disagreed how I was treated

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 2024-09-23 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: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-23 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: FL

Complaint narrative:
I'm following up on our recent communication about unauthorized accounts on my consumer report linked to identity theft. These were added without my written authorization or wet signature. I'm formally requesting you immediately block and remove these fraudulent entries from my report. 

These inaccurate accounts have caused me significant distress and financial hardship, misrepresenting my credit history and obligations. They've impeded important financial goals like buying a home and supporting my family.

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 2024-09-23 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: FL

Complaint narrative:
I'm following up on our recent communication about unauthorized accounts on my consumer report linked to identity theft. These were added without my written authorization or wet signature. I'm formally requesting you immediately block and remove these fraudulent entries from my report. 

These inaccurate accounts have caused me significant distress and financial hardship, misrepresenting my credit history and obligations. They've impeded important financial goals like buying a home and supporting my family.

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 2024-09-23 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: NY

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to both Experian ( Report # XXXX ), XXXX and XXXX XXXX Report # XXXX ) via certified mail regarding inaccurate information of XXXX XXXX These accounts were inaccurately reporting the date opened, date last active and balances. I provided supporting documentation for my dispute that information was not reported accurately. Following the investigation, XXXX deleted these accounts from my credit report, recognizing the inaccuracies. However, Experian and XXXX have not followed suit and have erroneously marked the information as verified '' and have not provided me with any method of verification. 

Experian has replied via the Experian dispute center resulting that the information is verified and accurate on XX/XX/XXXX. In addition to this reply being after 30 days which is mandated by law, according to the updated report ( # XXXX ), information is still reporting inaccurately. There is no date given for any of these accounts for the month of XX/XX/XXXX, and no data given for the months XXXX XXXX XX/XX/XXXX in ( Report # XXXX ) XXXX has not replied to my dispute and I have had no contact with them at all regarding this matter. According to the previous report ( # XXXX ) in XXXX and the updated report in XXXX ( # XXXX ), information is still not 100 % accurate.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-23 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: EQUIFAX, INC.
State: NY

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
To XXXX, XXXX, and Equifax, It has come to my attention that inaccurate information remains on my credit report, despite previous disputes where you continued to verify the data as accurate. I have attached evidence proving that this information is, in fact, incorrect. By continuing to report these inaccuracies, you are in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires a reasonable investigation, and Section 623, which addresses the duty to ensure accurate reporting.

This failure to correct the information also violates my rights under 15 U.S.C. 1681i ( a ), which mandates the correction of erroneous data after it is proven inaccurate. I demand that you remove this incorrect information from my credit report immediately, as it is unfairly damaging my credit profile. 

I expect prompt action in accordance with the law. Attached is the proof of the inaccuracies for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-23 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Dear Credit Acceptance, Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for the above account no matter where the state it is. I dont know your company, as you may be a scam artist for all I know. Not to mention this company has lied multiple times stating that you tried to contact me when I've reached out via phone call and the response I got was we don't have a response yet we will call you back. moving forward, i am aware that this account is closed and you're not a credit bureau clearly! not sure if you guys knew that or not. This company has many inaccuracies as well on my credit profile such as payment summaries, along with many other inaccuracies. How is an account 180 days late 2 years later after being in collection previously? please provide me with these things below ( 1 ). Contract with my name on it.

( 2 ). Full accounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue previous collection activity by validating the debt above. 
Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney XXXX XXXX. I will also be reviewing my state law to see if a bond is required. Dont escalate this matter further over this little debt. Delete it at once.

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 2024-09-23 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: TX

Complaint narrative:
To TransUnion, XXXX, and XXXX, It has come to my attention that inaccurate information remains on my credit report, despite previous disputes where you continued to verify the data as accurate. I have attached evidence proving that this information is, in fact, incorrect. By continuing to report these inaccuracies, you are in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires a reasonable investigation, and Section 623, which addresses the duty to ensure accurate reporting.

This failure to correct the information also violates my rights under 15 U.S.C. 1681i ( a ), which mandates the correction of erroneous data after it is proven inaccurate. I demand that you remove this incorrect information from my credit report immediately, as it is unfairly damaging my credit profile. 

I expect prompt action in accordance with the law. Attached is the proof of the inaccuracies for your review.

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 2024-09-23 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:
To XXXX, Experian, and XXXX, It has come to my attention that inaccurate information remains on my credit report, despite previous disputes where you continued to verify the data as accurate. I have attached evidence proving that this information is, in fact, incorrect. By continuing to report these inaccuracies, you are in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires a reasonable investigation, and Section 623, which addresses the duty to ensure accurate reporting.

This failure to correct the information also violates my rights under 15 U.S.C. 1681i ( a ), which mandates the correction of erroneous data after it is proven inaccurate. I demand that you remove this incorrect information from my credit report immediately, as it is unfairly damaging my credit profile. 

I expect prompt action in accordance with the law. Attached is the proof of the inaccuracies for your review.

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 2024-09-23 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under my personal credit card account. This account have resulted in an fraudulent hard inquiries appearing on my consumer credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This hard inquiries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the XXXX Federal Trade Commission the hard inquiries which is the result of identity theft and fraud.

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