vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a letter from Synchrony Bank dated XX/XX/XXXX regarding Change in Terms for my JCPenneys credit card. They are instituting a {$1.00} fee for a paper stating. I shouldn't be forced to have to put my information in an on-line account. I pay by phone every month after receiving my paper statement, which triggers me to pay. I think this is an overreach by Synchrony bank to charge a fee for what should be in the cost of doing business.

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 2024-03-26 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: TX

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-03-26 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: TX

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-03-26 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: TX

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-03-26 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: DISCOVER BANK
State: NY

Complaint narrative:
The web company XXXX has been charging monthly subscriptions I never signed up for to my Discover credit card since XX/XX/year>. I immediately called XXXX customer service, which I found online. I was told that XXXX is a third-party billing service, which I don't believe. XXXX said I subscribed to a service from XXXX and was refunded {$350.00} out of the total {$630.00}. I have never subscribed to anything from XXXX. The Discover card and XXXX told me to wait a couple of weeks for those charges to be reflected on my account. However, XXXX says they can't refund the remaining fraud charge because Discover is blocking and denying the refund. According to Discover, there is no such thing as blocking or rejecting the refund. This back-and-forth between XXXX and Discover has continued since last XXXX. I can't tell you how many countless hours & days I spent resolving the issue. XXXX 's customer service phone number and email address no longer work. The XXXX 's XXXX XXXX worked after a few attempts, but I was told the same excuse : they tried to refund, but Discover rejected the refund. I had both the Discover & XXXX, which XXXX said I purchased the service, on the phone at the same time so that the Discover can tell XXXX that they accept the refund. However, XXXX repeated the credit company 's rejection of the refund while we were all on the phone and hung up. I also sent an email to XXXX customer service, " Contact Form, '' but I haven't heard anything back from them, of course.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-26 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: IL

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the mentioned accounts exhibit inaccuracies in their reporting.

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 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( Federal Deposit Insurance Corporation ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.

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 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
XXXX I called to get the payoff and was quoted {$7100.00}, which I paid that day. It was withdrawn from my bank accounts on XXXX. Today ( XX/XX/25 ) I got a new statement claiming I owed additional interest of {$82.00} and denied that the pay off amount given on the phone was correct, but it matched the online portal. I was told today they had no record of my call and insisted I still owed another {$82.00}. I paid the {$82.00} to avoid the impact to my credit they threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: IL

Complaint narrative:
FCRA 605B seems to mandate the elimination of any incorrect accounts from my credit report. Could you verify the documents, please? Some of the listed accounts inaccurately represent their reporting.

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 2024-03-26 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: IL

Complaint narrative:
FCRA 605B seems to mandate the elimination of any incorrect accounts from my credit report. Could you verify the documents, please? Some of the listed accounts inaccurately represent their reporting.

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 2024-03-26 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: OH

Complaint narrative:
The Credit bureaus stated my account was properly investigated but my credit report says otherwise. There are multiple inaccuracies on all 3 of my credit reports the dates, payments and numbers on my credit report are inaccurate. 

It is stated under 15 U.S.C 1681 that everything on my report must have 100 % pure accuracy.

My rights also violated under 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 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. My right to privacy has been violated under The Privacy Act of 1974.

This charge off is also considered a certificate of indebtedness which means that this is now income and income can not be reported to my credit report.

15 U.S.C 1681n - Civil liability for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
Where is the original document saying that I approved this company where the signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX cashed a {$17000.00} check I made payable to and mailed to the IRS for taxes. 

XXXX XXXX got the funds from US Bank ( my bank ) and charged my account. When I received a notice from the IRS that my taxes had not been paid, I requested a copy of the cancelled check from US Bank and the bank teller told me it looked like the endorsement appeared to be forged. 

Apparently, someone acquired the check, forged the endorsement, and was able to cash the check at XXXX XXXX XXXX. Since the check was payable to the IRS, XXXX XXXX XXXX should not have cashed the check. I suspect an employee of XXXX XXXX and the person who cashed the check conspired to commit fraud and steal my funds. 

After many months of arguing this position, both banks have denied the claim. 

There is no possible way I could have known that the IRS did not receive the check until they notified me that they never received my payment. It would not occur to any reasonable lay person that the check was fraudulently endorsed when the payee on the check ( IRS ) was not scrubbed and my bank statement clearly showed it was cashed as expected. 

This has resulted in me being in a {$17000.00} hole. 

The section below is not allowing me to attach any files but I have a copy of the cancelled check I would like to include as part of this complaint.

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 2024-03-26 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS

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 2024-03-27 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Social Security Number has been compromised, and someone fraudulently applied for a credit card with Capital One using my identity. The account numbers are : Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX However, the provided date of birth is incorrect ; my actual date of birth is XXXX. Additionally, I wasn't present in the USA at the time of the application, as I lived in XXXX until XX/XX/XXXX. I have my XXXX papers ( XXXX Form ) that states the date I arrived to the USA. ( find it attached ) I didnt have following addresses mentioned in the XXXX Credit Report ( under the reference number XXXX ) and XXXX Credit Report ( File Number : XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never had any of these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX After conducting an investigation, Capital One claimed it wasn't fraudulent and held me accountable for the {$8300.00} amount. They closed this case with reference number XXXX. Despite submitting evidence such as a copy of my driver 's license, proof of residency, and a copy of my SSN, I believe Capital One disregarded these documents. PLEASE, NOTE! I WAS BORN ON XX/XX/XXXX ( PLEASE SEE MY XXXX DRIVER 'S LICENSE ATTACHED ) AND THE SCAMMER WHO USED MY NAME AND SSN HAS XXXX, XXXX XXXX ON THE FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-27 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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