vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, 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 2024-11-02 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: NY

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I made a payment of XXXX dollars through the XXXX XXXX affiliated with the America first credit union on XX/XX/scrub>XXXX XXXX XXXX The bank took my money but was not received or sent, giving a negative result from both banks. The data and numbers of the receiver were correct. Now no bank ( XXXX XXXX and XXXX XXXX ) is responsible for the loss of funds claiming that the counterparty is responsible and vice-versa generating multiple damages to me. I hope I have an early answer please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX EQUIFAX XXXX XXXX XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been with chase for years and never had an issue with them until recently where my account seems to have been hacked, I noticed that I was being charged for XXXX charges that I did not authorized that I went to my bank let them know that those were not my purchases are so I opened a fraud alert, they investigated the alert and they returned with saying that they couldn't help me because they don't have a legal authority to investigate it further and to return the money back to my account and to go contact the merchant, XXXX, which I did and XXXX told me that they see my account was not secured and that there was actions on there that were not me and they unfortunately could not help me because the money was already posted onto the block chain and that they could not return the money to my account. The dates and charges are as followed 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a single mom that recently had the father of my child pass away, I have no clue how anything XXXX works so I don't know why my bank allowed these charges to go through in the first place and they should have flagged the account at the first charge. And since no one is helping me I am turning to the CFPB to hopefully help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting a complaint about the recent arbitrary reduction of my credit limit on my XXXX XXXX credit account from {$4500.00} yo {$4200.00}. As a responsible cardholder who has consistently met all payment obligations without any delays or defaults, I find this action unjustified and detrimental to my creditworthiness. The sudden reduction in my credit limit has had a direct and negative impact on my credit utilization ratio, which is a significant factor in determining my XXXX XXXX. However, this unwarranted decrease in my credit limit has now artificially inflated my utilization ratio, thereby causing a drop in my XXXX XXXX. This arbitrary decision by Synchrony Financial not only undermines my financial standing but also jeopardizes my ability to secure credit in the future on favorable terms. A strong XXXX XXXX is essential for obtaining loans, mortgages, and even securing lower interest rates. The reduction in my credit limit, without any valid reason, has unfairly compromised my creditworthiness and financial stability. I request another review of this decision and the reinstatement of my original credit limit of {$4500.00}. Additionally, I seek a clear explanation for this reduction to ensure transparency and to prevent any future occurrences that could further damage my credit profile. As a loyal customer, I expect Synchrony Financial to address this issue promptly and take corrective action to mitigate the harm caused to my credit standing

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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am writing to formally document my experience and request immediate assistance regarding my account with Citibank. I opened this account on [ date of account opening, if known ] and have recently been unable to access it, despite making multiple attempts to regain entry and contacting customer service over the past number of days. 

During my calls to Citibank customer service, I was informed by a representative that the only way to resolve my account access issue would be to visit a branch in person. Before I could gather further information, the representative ended the call abruptly. This has left me with no clear solution to access my account, despite my willingness to verify my identity and cooperate fully with Citibank 's security protocols. 

The inability to access my funds is causing significant financial and personal stress, as I rely on these funds for essential expenses. I respectfully request any assistance you can provide to expedite the resolution of this issue so I can regain access to my account remotely if possible. 

Thank you for your attention to this matter. I am hopeful for a prompt response and resolution.

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 2024-11-02 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: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX XXXX XXXX EXPERIAN XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
XXXX refuse to correct the status of an account on my credit report shown as 30 days delinquent/past due for the months of XX/XX/year> and XX/XX/year>, when it is not. That is inaccurate false information! 
I provided proof & documentation to XXXX showing that I've never made a late payment nor have any past due amount owed for " The Bank XXXX XXXX XXXX XXXX account in question. But they still refuse to correct & update my account information. 
XXXX did not & does not verify the information submitted by " XXXX Bank XXXX XXXX XXXX XXXX It is bias and violates my rights as a consumer the way XXXX conducts business and handle investigations!

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 2024-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX I paid XXXX to a company who claimed that they will work on XXXX on my website. After I paid them, they told me that I have to pay an extra XXXX which I did pay on XX/XX/XXXX. They told me this process would take time so I waited and nothing happened the company. If you can call them a company based out of XXXX did not do anything as a matter of fact, they added XXXX generated blogs in total of XXXX to my website and claimed that this was the work. I told him that this is definitely not what XXXX AND THAT I BELIEVE I DESERVE A REFUND. THEY TOLD ME THAT THEY WILL NOT GIVE A REFUND BECAUSE THEY DID THE WORK, BUT THE WORK WAS ONLY XXXX BLOGS MADE FROM XXXX WHICH DID NOTHING TO HELP MY WEBSITE BUT ONLY COST ME OVER {$2600.00}. I contacted PayPal credit which is managed by a company called synchrony about this and I filed a dispute because I did not get the service that I paid for. PayPal credit i.e. synchrony only filed a dispute, which was a terrible process with them. They dont have a good process to file a dispute but the company or the merchant we can call them said that they did the work in full work meaning the XXXX blogs that they did. PayPal credit i.e. synchrony went with this and that I do not deserve a refund because they did the work. I have provided evidence to PayPal, but they did not care. They made the process difficult by not allowing us to contact them directly, and The only send us to a third-party customer support which does not help at all. The people can not even do anything. The only thing they can do is file a dispute I believe, PayPal credit i.e. synchrony should be held accountable and should be sued for them, allowing scammers to be on the website processing payments and not honoring disputes despite the evidence.

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 2024-11-02 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: TX

Complaint narrative:
RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

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 2024-11-02 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: TX

Complaint narrative:
RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

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 2024-11-02 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I was notified by the credit bureaus that a firm was showing up on my credit. They've been there for almost a year now. And they are currently damaging my XXXX XXXX so I went ahead and I disputed it as I dispute it. I requested information from them. They refused, and it's just through all XXXX of the credit bureau directly. I also filed AFT C complaint and sent that over to all XXXX credit reporting agencies as well. I do not own anything from this company called affirm, but they're showing that I owe them money. But then, when I requested documents from them directly from their website and through the credit bureaus. They failed to send me any information in regards to what was purchased. When it was purchased, they failed to show me any kind of billing. Anything like that but then they automatically as soon as I dispute it. It comes back as verified, but they have never verified it. Directly with me, but they continue to damage my credit report. I've tried everything to get them to remove this. Because it's pooing my XXXX XXXX down. I am a victim of identity. Theft, my personal information was also leaked out with about XXXX companies right now. Between XXXX XXXX XXXX XXXX XXXX and XXXX other companies and right now, I'm trying to prevent more fraud being Done to my credit report. But I can not get these people to remove the item. They refuse to verify the item when I had disputed it multiple times but then they want to continue to say that it's verified. So at this point, they're not only violating my rights, the fair credit reporting act, but they also never verify this debt. In order to even post it on to the credit bureaus, I've sent it multiple times to each credit bureau, a copy of the FTC complaint that I had filed. I will also be following a direct complaint with the Attorney General 's office as well. To try to get help removing all of these accounts that are not my accounts and fraudulent activity from being made. Against my credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Central Portfolio Control Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation