vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: AZ

Complaint narrative:
XXXX  Please investigate this matter and correct the inaccuracies on my report. I would appreciate a response within 30 days of receipt of this letter. 

delete Unpaid XXXX  Closures in Last 4 Years : {$000000000.00}

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 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : 1. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.

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 2024-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
Prior to XX/XX/XXXX XXXX sent me a letter saying that I owed them {$100.00} for failing to return equipment. When I called them, they stated that they never got any shipments through XXXX from me. They insisted that I go to my car to find proof that I shipped it. I called them back and got another operator, this one actually said YES, I did send both packages back to them, but I did not include one item so they are billing me for that one item. 

I told them that I did indeed send it to them, and they said that they needed someone else to call me back. I waited, no call back, then. On XX/XX/XXXX, I got a collection notice from Stark. I responded via email to them on XX/XX/XXXX disputing this debt and asked them to provide proof that I did not ship the item in question back. I got no response from them. 

Now today XX/XX/24, I got another very generic email from Stark, again stating that I owe them {$100.00}. I replied again today, asking for the proof again, and this time I copied XXXX XXXX XXXX XXXX on my response, I also let them know I would be filing a complaint here, with you. 

XXXX has ignored me other than demand money, Stark has ignored me other than to demand money and I do not know how to get someone to respond to me. I no longer trust verbal communication with XXXX, I will only correspond with them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I paid {$750.00} to Chase XXXX XXXX to clear my credit card balance, bringing it to {$0.00}. However, the following month, I was charged {$5.00} in interest. Despite my efforts to dispute this charge, Chase insisted I was responsible for it even though I had paid off the card. It seems like an unnecessary fee they added. I tried to contest it again, but they refused to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
For over a month, Chime has sent me marketing emails about a bank account I opened with them. They even sent me a debit card for the account. Whenever I call them, they ask for my personal information so they can look up my account. Because I did not open the account, I do not feel comfortable giving them my personal information. They refuse to close the account. They did change my email address associated with the fraudulent account, but I fear that the fraudulent account is still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV ( 3 ) accounts - XXXX - XXXX - XXXX XXXX, XXXX, XXXX all three credit agencies. Seeing that you furnished information without my permission have XXXX me off. I don't have no business with XXXX and you don't have no business with me. How you got my information to harass me about this alleged debt? What authorization do you have to share private information with another third party? How did you come up with the balance? What date did you acquire? If acquired what was the price? What date did you receive an assignment? What date was you transferred the debt? By answering these questions that will help me determine if the debt and reporting is valid. Failure to respond will lead me to believe that you are using extortionate means to collect. Failure to respond will lead me to believe that you have used aggravated identity theft to furnish a repor. Be aware of 18USC894 and 18USC1028a. You are committing crimes against my Estate name. You will be held liable for using false and misleading documentation furnishing inaccurate incomplete and unveritiable information. I will not be paying a total stranger that visicted my rights and damaged my credit anything. the XXXX said owe your brother nothing but love. May you nave a lovely day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am extremely dissatisfied with the service provided by XXXX XXXX Chase Bank. Despite my immediate notification of an unauthorized {$2300.00} transfer, the bank negligently deemed it authorized, plunging my account into a negative balance. This failure to protect me as a consumer is unacceptable and has caused significant inconvenience and distress. I demand a thorough investigation and swift resolution to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They will not allow me to speak with them. I identify the information on the notice i received in the mail. When they acknowledge it is me on the phone and then ask me for my DOB and XXXX which i do not need to disclose to these people. I never signed a contract with this company and I do not know who they are. 


While working with PayPal and Synchrony bank. I was unable to resolve major issues like my card being fraudulently charged and my account actually being compromised. 

I have no used their services since I was compromised. PayPal refused to speak with my along with Synchrony who referred me back to PayPal. 

I am being scammed by these two companies. 

If I CALL THEIR NUMBER IM REQUIRED TO SHARE THIS ALARMING INFORMATION Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skrill USA, Inc.
State: MS

Complaint narrative:
There is a company that shows up on my credit report nine times. XXXXXXXX XXXX XXXXXXXX alleges that I owe paysafe {$150000.00}. I have received 35 letters stuffed in my mailbox from XXXXXXXX XXXX XXXX, a law firm claiming to handle accounts for Paysafe. I have never had an account with paysafe. I also don't understand why I would be receiving letters from XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX but have another law firm show up on my credit report. I called paysafe and they stated that they do not have an account for me. This has affected my credit report tremendously in a very negative way. I really need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I asked this company to verify this debt pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
On XX/XX/2024 my property in XXXX XXXX received damages from a flooding event. My flood insurance provider, XXXX, inspected the damages and sent me checks to pay for the damages and to replace my personal possessions that were destroyed. The checks were made out to me and PennyMac and require both of our endorsements. PennyMac is refusing to endorse the checks to allow me to pay my contractors for the work to repair the property. My attempts to communicate with PennyMac are routed to a call center in the XXXX with call takers who do not appear to have any ability or interest in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: IL

Complaint narrative:
There is a collection account on my credit report. The company is not licensed to be a collection company in the state I live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was ruined by XXXX, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
This complaint is about a loan US Bank took out in my name without my knowledge or permission. CFPB sent my complaint back XXXX. How do you allow US Bank to control the narrative? I am submitting this NEW complaint because I just got a NEW fee assessed by my creditors who continue getting payments on my behalf but then payments are reversed since US Bank is FORCING ME to keep an opened account. I dont have XXXX to reprimand US Bank via attorney for forcing my credit score to drop. How does US Bank get away with this illegal activity and still to this day continues to assess fees on a loan I never took out? This complaint is about a loan US Bank took out in my name without my knowledge or permission. How does this bank assault me like this with absolutely zero consequences? Ok US Bank you win. I accept that my golden credit score of XXXX will never be again because you have decided to capture me and force me to become a deadbeat who overdraws their bank account and doesnt do a thing about it. Hello XXXX XXXX  score. US Bank you win! I have surrendered. I accept that you will never close that account and my credit score has been permanently damaged. I accept it US Bank good job!!! ( Ive uploaded proof of continuous activity coming from a bank account I closed on XX/XX/24. XXXX being held prisoner HELP 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 explanation
Consumer complaint received 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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