vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
I did not apply to these companies below XXXX - XX/XX/XXXX XXXX XXXX XXXX -Inquiry , XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry Equifax XX/XX/XXXX & XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XXXX XXXX XX/XX/XXXX & XX/XX/year> - XXXX XXXX -Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-04 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: FL

Complaint narrative:
This letter is an official complaint that the credit information you are reporting is wrong and missing parts.

Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act says that you must physically check any signed customer contracts before putting them on a credit report. This is for all accounts that you put on a credit report. If not, anyone who pays you for your reporting services could send in a fake account by fax, mail, or email.

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 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
I Set up automatic payments to occur on monthly basis for set loan amount. The automatic payment did not post, therefore I called to follow up and of course not showing being set up, but came out on XX/XX/2024. The online system is not up to date in regards to payments, representative provided a different payment amount showing on online system. This company has poor communication and inaccurate payment history, that has caused a negative impact on my credit history in the past.

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 2024-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I received a verbal notification of the debt and mailed and emailed a dispute asking for verification ; both documents were sent to the debt collector and XXXX. The debt collector will then close my account and XXXX will reopen it. This matter has happened three times. Transworld is the current debt collection agency that has neglected to provide a verification of debt as requested XX/XX/2024. Twice were in writing via email and mail the second was during a phone call. Transworld System ( Tsi ) will simply report on my credit that the debt has been verified which is incorrect as they have neglected to do so. Per the debt XXXX is requesting XXXX but the debt collectors states a higher, incorrect amount.

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 2024-03-04 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: AL

Complaint narrative:
I am a natural person, I am a human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written consent to furnish these accounts. 

XXXX XXXX XXXX Opened XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit 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: NC

Complaint narrative:
On XX/XX/year> an unauthorized payment of {$100.00} was drafted from my account by Synchrony Bank. I have never set up automatic payments with XXXX XXXX or Synchrony Bank. I'd already made a payment of {$53.00} on XXXX. I've had repeated issues with this bank and find them to have unethical business practices. I've experienced them closing my account without warning which in turn damaged my credit. They have also reported my account as late after listing the incorrect information on my account. Every month my payment has changed from {$48.00} to {$53.00} and now this month I was charged {$100.00}.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-04 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
This is in reference to a XXXX credit card i have from First Bank. 
Various charges were done to my card during XX/XX/XXXX in the amount of {$1100.00} and XX/XX/XXXX in the amount of {$2300.00} plus finance charges, international transactions charges and XXXX XXXX, XXXX currency. I submitted a claim to the bank via telephone on XX/XX/XXXX on this issue. I had not reported the issue sooner to the bank because just when these charges were done, I stopped receiving my credit card statements via regular mail. I visited the bank on various occasions to report the issue with my statements personally, nevertheless I continued making my payments straight with the bank teller. It wasn't until XX/XX/XXXX when I finally started receiving my credit card statements and notice the charges done. On XX/XX/XXXX I submitted my claim. Since then, I have called to follow up on my claim on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I talked to XXXX different people this day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I have not received a resolution on this matter. I must mention that on XX/XX/XXXX I received a letter from the bank stating that the charges that I claim were not posted to my account. This letter must have been another mistake done by the bank because the charges were done to my account without my authorization and copies of the statements proves it. I can provide all the information that your agency requests on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
My loan is with FayServicing. My name is XXXX XXXX and my property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called on Monday XX/XX/XXXX to speak to someone on my options for payments on my delinquent loan. The customer service assistant recommended an informal repayment plan which would have worked with my budget and stated these have to be approved by management and that would take at least XXXX business days and they would get back to me to make the payment once that was completed as long as it was approved. I called back in on Monday XX/XX/XXXX that is the XXXX business day and was told that it was approved but since I didn't make the payment in XXXX I no longer qualified when they did not get back to me to let me know I was even approved and the only way to resolve the situation was to make a double payment of the repayment plan, which I would have had the full month of XXXX to make that second payment. Due to the Servicing company not getting back to me I feel I'm being punished and now my house is at risk of foreclosure. I also ask to be transferred to a XXXX which I was instead transferred to the managers voicemail. We'll see if they get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Chime Financial Inc
State: GA

Complaint narrative:
I received a debit card in the mail with a letter that said welcome to the Chime family. It had an activation code, a banking routing and account number listed. My name was listed as the account holder. I did not open an account with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS FRAUDULENT CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. XXXX CREDIT BUREAU REFUSED TO BLOCK AND DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello we were not given what the bank said Synchrony bank Credit for {$3000.00} put when making purchase it did not work they denied it, put the record showed it passed for credit. So they made me buy it with Paypal, which I did not want use paypal 4 payment system. paypal credit just like they said. It was not fair for Synchrony bank phone agent did not care. We want the credit we was aboved for which is {$3000.00} that they aboved with XXXX online store. We would like for paypal to fix this also for the confusion at check out with the two companys. 

Preparing shipment Arrives by XX/XX/2024 XXXX XXXX XXXX Basketball Shoes Size M XXXX XXXX XXXX XXXX Style 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 2024-03-04 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On Sunday XX/XX/XXXX I received an email from XXXX XXXX that i have a hard inquiry and I tried to reach XXXX XXXX i was told to call during business hours. At XXXX on Sunday I received another email application from American Express that I submitted an application for a credit card I never applied to. I called XXXX XXXX today Monday XX/XX/XXXX and I was directed to call XXXX when I called them. I was told to file a complaint here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. these are the account : XXXX XXXX Bankruptcy 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 2024-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
opened XX/XX/2023 amount is XXXX Im Unaware of this debt I did not have the opportunity to dispute this information if and fact you believe you gave me proper notification then please send me the certified receipt with my signature on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I dont even know I went to make a purchase at XXXX for my partners medication who is XXXX XXXX and still hasnt received any medication due to the fact that my funds are not being able to be access to me. Kept getting declined the register so I called my bank and they literally started laughing at me over and over again every time I called and what transferring me to anyone I can talk. I dont understand why

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party 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 2024-03-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a XXXX XXXX refundable deposit back in XXXX with my American Express XXXX Due to numerous delays, I had decided to cancel my order on XXXX. Upon my cancellation, I noticed the refund never went back to my card. I made numerous attempts to reach out to American Express, they refused to help claiming the transaction is too old. The merchant claims they have issued a refund and won't help any further. I am now stuck and I am out {$100.00} I have attached my original transaction statement and cancellation confirmation for review. 

The merchant sent over some transaction ID claiming refund was issued on XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only XXXX percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. these are the inquiries : XXXX  || DATE OF INQUIRY : XX/XX/XXXXXXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX. XXXX || DATE OF INQUIRY : 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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. these are the account : XXXX XXXX  Bankruptcy Case NumbeXXXX : 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