vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
REF : XXXX ACCT # XXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 

I also disputed it with XXXX Equifax and XXXX, and they have not responded either, Well, XXXX said it was verified but didn't provide me with the details of the investigation on how it was verified with what information, is valid and how is it valid, this is getting ridiculous, and these companies are not adhering to the proper procedures that are required by law to my right to fair and accurate reporting. 

I will attach proof of my correspondence with XXXX 's and the letter they sent back to me after I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I opened an amazon store card issued by synchrony bank with the specific intent of managing all of my amazon purchases in XXXX place to make them easier to track, and to get 5 % cash back on those purchases. Since the card was issued, I have made multiple payments, prior to my due date, including recently paying the full balance. However, even though my recent payment to pay off my full balance was made on XX/XX/XXXX, and cleared my bank account on XX/XX/XXXX, they are still showing the payment as " pending '' and their CS reps and a " manager '' who I doubt could manage a trip to the grocery store. The email they sent me when I made the payment CLEARLY stated that my payment would be credited within 1-2 business days. I still can not use the card, because they told me that they are holding it for 10 days because it was a " change in payment habits '' which there really isn't. I have made large payments in the past that were NOT held for 10 days. All purchases have been shipped to my home address and all payments made with the SAME checking account, so there are no fraud indicators. They claim that they " can not manually release the hold '' which we all know is a line of XXXX. I've worked for XXXX of the oldest ecommerce companies for 23 years, so I know it's a line of XXXX. Automation, XXXX  and algorithms are only as good as their inputs and are not infallible, there is ALWAYS a way for a human to review and do the right thing for the customer. I literally do this for a living as an Operational Policy, Risk and Controls Analyst and I write the kind of fraud trigger rules they are referencing. If they are not going to uphold the payment clearing dates they communicate IN WRITING, they should be held accountable. Customers depend on the companies they deal with to be honest in their dealings and communication. This company is obviously not.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: WI

Complaint narrative:
Im refused for everything its not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my XXXX, Transunion and XXXX reports. I have been a victim of identity theft, and there have been multiple inquiries on my XXXX, Transunion and XXXX reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with XXXX, Transunion and XXXX but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my XXXX, Transunion and XXXX accounts immediately : * XXXX XXXX - XXXX on XX/XX/XXXX * XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX * XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXX * XXXX  XXXX- Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX- XXXX on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX BANK - Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX XXXX, Transunion and XXXX is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my XXXX, XXXX and Equifax reports. I have been a victim of identity theft, and there have been multiple inquiries on my XXXX, XXXX and Equifax reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with XXXX, XXXX and Equifax but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my XXXX, XXXX and Equifax accounts immediately : * XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX * XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX * XXXX  XXXX- Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX- XXXX on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX and Equifax is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-03-06 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NJ

Complaint narrative:
Good afternoon! 
I tried reaching out to the Discover credit card company on XX/XX/XXXX regarding my late payment. I am having trouble financially. I was told by XXXX that there are XXXX programs that may be able to help me. I did not turn this offer down, I told her that I needed time to see which program I would most benefit from. Moving forward, I called back again on XX/XX/XXXX with the program I had decided on. This time I spoke with XXXX. He told me I had declined the programs and that there was nothing he could do. So, I called back and talked to XXXX, and she told me if can pay the minimum payment of {$170.00}, I would be able to choose a payment program. That being said, I did pay the {$170.00}, only to be told by ( I think her name was XXXX ) that there was no program available. I then asked to speak to a supervisor- ( I did not get his name ). He said that my account is still showing deliquent, and until I paid the remaining minimum balance of {$150.00}, there was nothing he could do. Also, he said for me to call back after making this payment, that there was a possibility that there may some type of program but that he couldn't promise anything. I repeatedly said that I didn't refuse the programs, I just needed to decide which one. They take that as a refuse, and then they refuse to help you. The XXXX programs I was originally presented with was a XXXX XXXX reduced rate at XXXX, and then a temporary hardship program for 6 months at which time I would pay {$75.00} monthly, and that I wouldn't be able to use my card in that XXXX month time period. I was given false information, and feel that I was tricked about them actually being able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XXXX  Account # XXXX I am writing to file a complaint against Transunion and XXXX and XXXX XXXX  for their failure to provide me with proper validation for an account that has been furnished on my credit reports. 

I have contacted the original creditor multiple times, requesting that they provide me with the necessary information to validate the account, but they have failed to do so. I have attached copies of our correspondence for your review. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require that companies provide consumers with accurate information and proof that they are authorized to report information to the credit bureaus. 

I am requesting that the company provide me with the proper validation for this account or remove it from my credit reports. I also request that they take the necessary steps to ensure that all future reporting is accurate and complete. 

After disputing this account with XXXX, they conducted an investigation and found no validation and adhered to the FCRA FDCPA laws, and deleted this account from my reports. I am asking these companies to do so as well I will attach a screenshot of the proof of deletion from XXXX. 

Thank you for your attention to this matter. 

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a charged off account on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX is reporting a charged off account on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

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 2023-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Pretended to be law enforcement to collect a debt that I have already paid. This debt was taken from my account years ago by original owner. {$680.00} debt has been readded to my credit report stating it was from 2 months ago and it was from 9 years ago and paid. Threatened to sue me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries done ALL the same exact day! 

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

some gave me the run around over the phone because they couldn't find anything so they kept switching me to multiple department and no one could help me figure out why they pulled my credit without my consent, nor could give a proper answer. 

Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it. 

here are the inquiries to immediately remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX / XX/XX/2023 I also mail certified with return receipt the dispute to the credit bureau Experian who's reporting this wrongfully enclosed a copy

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I would like to request a validation of debt from JPMCB Card. As you'll see in the attached photo in the account info section JPMCB stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This loan is 9 years old. The money from this loan was taken from my account 8 years ago and this creditor is still harassing me to pay it contacting me pretending to be law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I have received a bill payment from XXXX XXXX that went to Harris & Harris LTD ( debt collectors ). The balance was {$25.00} which was a mistake as they did not bill both insurances. I have dual medical coverage from my employer and my husband 's employer. I was advised by XXXX XXXX to provide Harris & Harris LTD with the medical insurance information as they have called in the past to insurance providers. I did just that, however was treated disrespectfully by the Harris & Harris LTD. Further, the {$25.00} bill has now turned into {$240.00} and they are demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc.
State: NV

Complaint narrative:
I saw an advertise on XXXX about lending. I fill up the form i put all my information i didnt know it was scam. And now when i check my score on XXXX XXXX theres a personal loan that i didnt do it was XXXX . The company they use for is Self Financial Inc .

Company response to consumer: Closed with explanation