vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

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 XX/XX/year> XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX OREGON XXXX XXXX XXXX OREGON XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: AL

Complaint narrative:
I took out a loan through Upgrade.com in XXXX. I filed for chapter 7 bankruptcy in XX/XX/XXXX and on XX/XX/XXXX, the debt owed to upgrade was discharged through my bankruptcy. The company was notified by myself and my legal representation, XXXX XXXX. They continued to harass me for payment even after it was discharged and then reported late payments for several months before selling off the debt to a debt collector. There is no way they should have been able to do this. I have the documentation from them about the debt being sold off and the bankruptcy case to support my statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I have XXXX accounts with Concora Credit, approximately in XX/XX/year> I notified them about my financial situation and they refused to help me. They told me they didnt have no program to assist me with my financial crisis because they are a bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Notice on my XXXXXXXX XXXX thru XXXX XXXX, NEW hard Inquiry. XX/XX/scrub>XXXX XXXX  Showed XXXX XXXX XXXXXXXX I guess this is a XXXX Acct. credit limit {$750.00} I called and they did close it. 
I received in mail like XXXX days later showing my new acct info with my address BUT not my EMAIL? Also Appears like a phone number almost identical to mine was used as well. 
I have froze all XXXX accts with XXXX XXXX XXXX XXXX more days later got a inquiry from XXXX asking for info on this XXXX acct that was opened. This is where I am at. I was told I should file a report with you all as well. Just worried and trying to do the right thing here.

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 2024-09-11 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have multiple Accounts opened by my deceased husband, we didn't find out until after his passing. XXXX passed on XX/XX/scrub>XXXX He was my payee I thought my son and I could trust him but after he passed I learned he gave out my insurance card and my social security card to people be case we had found pictures in his phone and then a friend went online to discover he was using my credit. My lawyer advised her to dispute everything since i'm not XXXX XXXX and have a XXXX XXXX and not able to fill of fill out an application.I struggle to read. I have a low read ing level. My late husband left me with a lot of bills and debt and I'm just trying to finish the rest of his mess so I can move on, I'v already had to pay a settlement with chase bank where he was my payee at the time and not sure how he opened a credit card in my name. I just learned recently payees aren't even aloud to do that, not even on a payee account. either way I was stuck paying for it. I needed to use that bank for myself and my current payee. ( I had to get help to have this done )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Ive been calling Santander bank since XXXX of 2023 on the status of the {$2200.00} that was in my account when they closed my checking account. Since then they claim theyve mailed out a check of my balance but I never received it! I even stressed this because I was moving in XXXX and in XXXX I gave them my new address yet I still havent received funds till this day. Its been 9 months!

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 2024-09-11 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: IN

Complaint narrative:
I have no association with the listed creditors, and these inquiries are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made XXXX merchant disputes in XX/XX/XXXX, under the case XXXX, XXXX, XXXX, XXXX but until now I dont have received any letter, information or update about my case. 
Also the bank didn't request any supportive documents for the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
I have requested a name change on my Cash App account per a legal name change that I have recently done. I have provided all the requested legal documents to Cash App to process this request. To date I keep getting the run around and lack of assistance from the company. A case has been created and is pending but has not been resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: HI

Complaint narrative:
At XXXX year XXXX after we broke up with my ex-girlfriend and after XXXX month ago I see all a letter of my mailbox. I have a lot of past due date of the credit card and when I sign up for XXXX XXXX I just find out I have so much credit card or XXXX credit card open Under my name without my knowledge when I contact the credit card, everything is past due and ill be trying to close the account and disputed a credit card and they told me I need to file the police report and file for court fraud and now I have all the document with the card card needed to prove it. Its not me sign up that credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I submitted a cease and desist notice to Lendnation via email on XX/XX/scrub>XXXX XXXX  requesting that they cease contacting me and the people i listed as rederences via telephone. Since the cease and desist was submitted in writing I have been contacted via telephone regarding my debt. The collector did not notify me that they were calling in an attempt to collect a debt which is a violation of the FDCPA. I notified the collector that I had submitted a cease and desist and they said they were not aware of it. I asked them to review their records and update my file. I have attached the email I sent to lendnation and the phone log showing their violation of the crash and desist.

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 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I Opened a merchant dispute under the case Id XXXX with my bank on XX/XX/XXXX, for XXXX transactions due credit not processed. During all of this time the bank didnt request any information from me and the claim was denied on XX/XX/XXXX. On XX/XX/XXXX I sent the documentation to the bank to reopen the case, the XXXX refund receipt with the stamp of the store and the email with the store confirming that they accepted the return and issue the refund but was never posted to my account. 
I called again to the bank today XX/XX/XXXX but they said there is no sufficient information to support my case, So I need what the bank wants to proceed with the chargeback. She couldnt provide that information and the only solution is to put a call back request something that doesnt work because im not in the USA .

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 2024-09-11 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a debt reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). The account in question is referenced by the account number as National Credit Systems Dispute Details : Inaccurate Information : The debt reported does not accurately reflect the details of the account. Specifically, the amount owed and date of account being opened. This inaccurate reporting is in violation of FCRA Section 609 ( 15 U.S.C. 1681g ), which requires that credit reports be complete and accurate.

Missing Verification Information : I have not received sufficient personal information to verify this debt as required by FCRA Section 611 ( 15 U.S.C. 1681i ). Specifically, I have not been provided with adequate documentation or identification details that link me to this account. Under the FCRA, I have the right to request and obtain verification of any disputed information on my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I have XXXX accounts with Concora Credit, approximately in XX/XX/scrub>XXXX XXXX I notified them about my financial situation and they refused to help me. They told me they didnt have no program to assist me with my financial crisis because they are a bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2024-09-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Good afternoon! I made XXXX payments of {$400.00} to this card in the month of XXXX and it does not appear on the credit report. The amount owed does not match the current amount.

Company response to consumer: Closed with explanation