vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: PatientFi, Inc.
State: MN

Complaint narrative:
I recently noticed that an ex friend used my name and social security to obtain a dental loan. I am listed as who the loan was approved for which is false and I DID not consent. She has apparently been making payments on her own while pretending to be me. I want this resolved and me removed from this loan as soon as possible. Im not sure how to go about fraud and who or where to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Denied Claim Appeals - XXXX XXXX & XXXX XXXX My claim appeals were denied based on the assertion that the transactions were verified using an authentication process with my device and/or confidential information. 

While I understand the importance of security measures in safeguarding transactions, I must express my disappointment with the decision. These claims were filed in XX/XX/2023 and I wish to reiterate once again that I did not authorize the transactions in question, and I firmly believe that they do not align with my typical spending patterns or behavior. As a responsible account holder, I take great care to monitor and protect my financial accounts. However, despite my diligence, unauthorized transactions occurred, leading me to file the claim appeals. It is essential to recognize that fraudulent activity can happen despite stringent security measures, and I rely on Citibank 's support in rectifying such occurrences. I respectfully request a thorough review of my case, taking into account the circumstances surrounding the unauthorized transactions. I remain confident that a reconsideration of the evidence will reveal that these transactions were not authorized by me and warrant reimbursement. Additionally, I am willing to provide any further documentation or information necessary to support my claim.

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 2024-04-09 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
delete unauthorized hard inquiries

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Throughout the history of this account, I've consistently maintained timely payments, ensuring they never surpass the due date. The appearance of late payment remarks on my accounts leaves me puzzled. Referring to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-09 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 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: NY

Complaint narrative:
I checked my credit reports and I noticed an inaccurate late payment with my account. I do not recall being late on this account because I always pay my bills on time.

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 2024-04-09 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: TX

Complaint narrative:
Kindly eliminate these inquiries ; I lack any relevant information, and the company proceeded without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: NC

Complaint narrative:
there are XXXX hard inquiries on my report that i did not authorize for credit cards and a car lot

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
I sent a debt Validation letter out to them through the mail, and didn't receive nothing back, so I sent a certified letter this time and i still have not received anything back yet. I already submitted a complaint about this and I didnt realized I didn't include this information on the complaint so that's why I sending it out again. Also, The SOS Group called me today XXXX XXXX and I answered the phone and the lady ask me XXXX and I told her I don't answer questions over the phone, sent what you have to the address you have on file and she STATED ( GOOD LUCK WITH THAT ) and hung up on me. Now that is unprofessional. This is FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2024. I made a payment to my Sam 's Club bill of XXXX dollars by use of my debit card. The payment cleared my account and I figured this month 's bill was settled. Two weeks later I started to get calls from Synchrony Bank stating the account was overdue. I called Synchrony Bank to validate the payment. The customer service representative said she showed a payment to the account of XXXX, however it was not posted correctly. Synchrony then asked that I send proof of payment once again I was forced to talk to an overseas representative who had problems communicating. She continues to state payment was received, but she needs proof of payment. I asked the representative if the account is showing paid two weeks after payment and monies have cleared why am I being asked to send in the method of payment? She stated she did not know why, however, this is the regulation she must follow. Synchrony has sent multiple letters stating a temporary credit has been given until the XXXX of XXXX. If proof of how payment was made in the account the credit will be taken away and the account will reflect an arrears. This bank possesses poor customer service skills. Their international customer service contract is horrible. I need Synchrony to validate payment and to restore the credit that they have received.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NJ

Complaint narrative:
How did Transunion verify this account? 

How was a proper investigation done when NO NOTICE OF DISPUTE WAS PROPERLY ENTER ON my credit report? Attached proof at the bottom 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 need to be provided with documentation that includes the Original Purchase Agreement, Terms & Conditions, Proof of ownership of the Original Creditor from each account. 

Or I will be suing for violations of my rights according to the FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy. DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT OR I WILL BE PURSUING LITIGATION FOR ACTUAL DAMAGES OF ARTIFICIALLY DAMAGING MY XXXX SCORE.

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 2024-04-09 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: WA

Complaint narrative:
( SEE ALL ATTACHED DOCUMENTS TO THIS COMPLAINT ) XXXX XX/XX/XXXX Dear Transunion, There is information on the consumer credit report you have assembled with my name, XXXX XXXX, that is a result of identity theft. I did not initiate, nor did I provide any instruction for the identified transactions to be furnished on my consumer credit report. I am now requesting that you block and remove the specified information from my report within four days as specified by law. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. I obtained no possession of goods, services, or money as a result of these fraudulent transactions. The identified transactions are not information related to any transactions by me as the consumer. Please block and remove the following items as soon as possible. 

TRANSUNION listed as Regular Inquiries : XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION NA via XXXX XX/XX/XXXX, XX/XX/XXXX I have mailed your identity theft department all documents as well. 
Regards, 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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Credit collections Services is reporting this as collection on XXXX and XXXX I have disputed and asked for the debt validation as i have no knowledge of this and never requested any services nor made any agreement with them. 
I have requested in writing that they cease and decease 's all communication regarding this fraudulent account. 

15 USC 1692C ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

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 2024-04-09 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
Inquiries requested on credit report unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to express my extreme dissatisfaction with the handling of funds in my business checking account with Chase Bank. I am the owner of a small service business, and the recent experience with Chase has severely hindered my ability to conduct essential business operations. 

On XX/XX/2024, a client made a payment to my business checking account at Chase via credit card for 50 % of the total cost of a service, in accordance with our standard procedure. Subsequently, on XX/XX/2024, the same client made an additional payment using the same payment method, as there was a modification to the initial job request. Both payments were made, and I received confirmation from the client regarding the transactions. ( Payment sent on XXXX : {$1600.00}, XXXX : {$1800.00} ) However, upon checking my business checking account, I found that neither of these payments was reflected as pending or deposited. Concerned about the delay, I contacted Chase Bank, expecting clarification on the usual clearing period for such transactions. To my shock, I was informed by a representative over the phone that the funds would be held for a staggering 120 days. Despite my inquiries, the representative provided no further explanation, merely citing it as the bank 's standard process. 

Determined to resolve this issue, I visited a Chase branch and spoke with a representative in person. To my dismay, even after examining the account, the representative could not identify any reason for the prolonged hold on the funds. He acknowledged that everything appeared normal and expressed confusion as to why such a delay was occurring, especially considering that other business owners who receive payments in a similar manner have not encountered such problems. 

As a small business owner, these withheld funds are critical for procuring materials and initiating work outlined in contractual agreements with clients. The current predicament jeopardizes not only my ability to fulfill contractual obligations promptly but also the overall viability of my business. It is incredibly disheartening to experience such impediments when, in essence, a business checking account is meant to facilitate seamless financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please erase these inquiries? I lack any insight into them, and the company proceeded without consulting me.

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 2024-04-09 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:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief