vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: Duvera Billing Services, LLC
State: GA

Complaint narrative:
A company ( DUVERA BILLING SERVICE ) is trying to collect a debt, which are also listed on my personal credit report. I have requested several times for verification. This company ( DUVERA BILLING SERVICE ) will not furnish a signed authorization, they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my personal credit file and again all I receive is statements

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm in disagreement with the item listed below which still appear on my credit report even after your investigation. I would like this item inmediately re-investigated. This inaccuarcies is highly injoirious to my credit rating. 
XXXX XX/XX/year> this inquiry was not authorized for me and should not be reporting.

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 2024-07-11 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-11 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: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I opened an account with Venmo or 4 years ago and kept it in good standing and closed it about 7 months ago. Then on XX/XX/2014 I opened a new venmo account linked my bank account to it without any problem. The following day I receive an email from venmo saying they suspended my account due to unusual activity when in fact there was no activity on the account. Furthermore, they refused to provide me proof of subjectivity. They requested a copy of my driver 's license which I provided, but yet they still hold my account in suspension status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: MO

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am writing to dispute the following inquiries and ask for their removal from my credit report. I am writing to dispute the following inquiries and ask for their removal from my credit report. Item No. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit.

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 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/year>XXXX TD Bank reversed disputed charges and put my account extremely negative. This account is where all my bills, mortgage, at payment, utilities go through and they made me negative. On top of that they started charging me overdraft fees when they made me negative. My whole purse was stolen and o immediately called them and told them and they canceled my card. I had to call make to dispute the charges when they went through. My other credit card was stolen and I had no issues disputing those charges, but TD says because the closed card was used again after it was closed it must have been not fraud? My whole purse was stolen with all my IDs and a credit card and this debit card. They refuse to help me and explain to me how I am liable when its XXXX XXXX  I have called and they dont let me speak to a manager and arent knowable about regulate e or the consumers rights at all. They dont even have a fraud department that could assist and the hold times are very very long! Please have them correct this and credit my account what it is owed. I have never had this issue and not sure why it my card was stolen why they wont credit my account when thats what their policy states online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony is now charging a XXXX fee to receive paper statements as of my XX/XX/year> statement. My previous statement did not contain any notice this change would occur and this junk fee is unacceptable. 

Company claims it sent out notice if change of terms separately and is resending as I did not receive the first notice. Neither my XXXX or XXXX statement contained any information regarding this change. 

Company claims unless I opt out of paper statements I will be billed this junk fee and it is too late to opt out for the next statement as well. 

I find the fee inappropriate and would never have opened the account if this was something the company was planning. It is an attempt to collect additional fees from consumers in an inappropriate manner. 

The company 's website is unreliable and one third of the time I try to access it I am either unable to log in or information is unavailable. This is an attempt to further increase consumer fees by making it more difficult to pay my bill or see the charges on the account. This should not be something the consumer is forced into.

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 2024-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which wasa involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 
SEC v. XXXX, 603 U.S. ___ ( 2024 )

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We do not accept Chase Visa determination that the transaction Post Date XX/XX/XXXX with XXXX XXXX XXXX for {$1500.00} is valid. 

We returned the disputed rug to the shop where we purchased it face-to-face. XXXX XXXX XXXX accepted the rug at the store in XXXX, XXXX and directed us to lodge a dispute with Chase, where XXXX XXXX XXXX said Chase Credit Card/XXXX will immediately refund the {$1500.00} purchase. 

On XXXX  XX/XX/XXXX, my wife, XXXX XXXX XXXX, and I spoke to a Chase XXXX  customer service representative, he advised that we submit a letter stating the fact that we returned the rug face to face at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

The elder owner of the shop told us to leave the rug at the store, and submit a dispute with our credit card, and they will honor the refund with XXXX. They said they want all their customers to be satisfied. 

Attached you will find the receipt with the date of return date. 

We need to put an end to this vendors fraudulent scam that left us with a {$1500.00} charge on our Chase XXXX Credit Card no rugs. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. Consumer is now requesting XXXX, XXXX, and XXXX to provide documentation used in determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX  treasury XXXX form to audit consumers account. XXXX, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX ARBOR PROFESSIONAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy of the information contained in my credit report. Pursuant to 18 U.S.C. 8, I owe no debt. The reporting of the following items is therefore incorrect and must be removed immediately to ensure compliance with federal law : 1. All accounts including but not limited to those with late payments.

2. All charge-offs.

3. Any and all inquiries.

Furthermore, this company is violating my consumer right to privacy pursuant to 15 U.S.C. 1681b ( 2 ). This company has NO permission to report ANYTHING using my information pursuant to 15 U.S.C. 1681 ( 4 ). As such, all information pertaining to my accounts should be removed from my credit report immediately. 

Additionally, I request the removal of all medical accounts listed in my report as they violate The Health Insurance Portability and Accountability Act ( HIPAA ) of 1996. These accounts are being reported without my consent and in violation of my privacy rights.

Please provide written confirmation that these items have been removed. If you require any additional information, please contact me at the above address. 

I trust that you will comply with federal law and correct these inaccuracies promptly. Failure to do so may result in further legal action to protect my rights. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy of the information contained in my credit report. Pursuant to 18 U.S.C. 8, I owe no debt. The reporting of the following items is therefore incorrect and must be removed immediately to ensure compliance with federal law : 1. All accounts including but not limited to those with late payments.

2. All charge-offs.

3. Any and all inquiries.

Furthermore, this company is violating my consumer right to privacy pursuant to 15 U.S.C. 1681b ( 2 ). This company has NO permission to report ANYTHING using my information pursuant to 15 U.S.C. 1681 ( 4 ). As such, all information pertaining to my accounts should be removed from my credit report immediately.

Additionally, I request the removal of all medical accounts listed in my report as they violate The Health Insurance Portability and Accountability Act ( HIPAA ) of 1996. These accounts are being reported without my consent and in violation of my privacy rights.

Please provide written confirmation that these items have been removed. If you require any additional information, please contact me at the above address.

I trust that you will comply with federal law and correct these inaccuracies promptly. Failure to do so may result in further legal action to protect my rights. 

Thank you for your immediate 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 explanation
Consumer complaint received 2024-07-11 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: GA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: OH

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. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Accounts have been opened in my beam with Chase bank! I reached out to chase about these accounts being opened and my claim was denied because of transaction made near where the account was opened I had NOTHING to do with these accounts I submitted a police report along with a declaration report. I have been a victim of ID theft and have never banked with chase.

Company response to consumer: Closed with explanation