vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint.

The XXXX fraudulent account ( s ) appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX  on XX/XX/XXXX under the XXXX account, a credit card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX account, another credit card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX account, a credit card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX account, and a line of credit opened at XXXX on XX/XX/XXXX under the XXXX account, a loan opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a loan opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, and an auto finance account opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent charge-offs and collections appearing on my consumer credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Since XX/XX/XXXX, SunRise debt collectors have been calling me repeatedly, claiming I owe them {$150.00}. When I initially received their call, I asked who the debt was owed to, and they informed me it was with XXXX. I immediately contacted XXXX to verify, and they confirmed that I dont owe anything. Despite this, SunRise continued to harass me with calls until XX/XX/XXXX, when I noticed a drop in my credit report related to the debt and ended up paying it. Today, I checked online to verify if SunRise is a legitimate company, and most reviews suggest it might be a scam. I would like to confirm the authenticity of this company and ensure my identity and credit card information are secure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
This is regarding my XXXX credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from rocket mortgage based my credit history report from XXXX. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute XXXX collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to calvary portfolio is being reported as opened XX/XX/XXXX XXXX website is not allowing me to dispute because of article XXXX. my credit score reported by XXXX was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting XXXX to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website XXXX XXXX. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to velocity investments llc ) I mailed the court stipulation to XXXX via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also XXXX is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXX son and I need this loan to secure housing.this are the tel # 's. I tried for XXXX. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with 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 explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is regarding my XXXX credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from XXXX  XXXX  based my credit history report from XXXX. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute one collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to calvary portfolio is being reported as opened XX/XX/XXXX XXXX website is not allowing me to dispute because of article 611. my credit score reported by XXXX was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting XXXX to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website experian.com/ help. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to XXXX XXXX XXXX ) I mailed the court stipulation to XXXX via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also XXXX is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXX son and I need this loan to secure housing.this are the tel # 's. I tried for XXXX. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account has been satisfied and the creditor is going to remove the account from my credit. Due to time, the creditor said that they have no control over how long itll take the bureaus to remove the debt. The creditor sent me the deletion letter, but XXXX in the midst of buying a house and need this deleted from my account asap, not up to 90 days later. 

Please remove the attached account from my credit immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account has been satisfied and the creditor is going to remove the account from my credit. Due to time, the creditor said that they have no control over how long itll take the bureaus to remove the debt. The creditor sent me the deletion letter, but XXXX in the midst of buying a house and need this deleted from my account asap, not up to 90 days later. 

Please remove the attached account from my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account on XX/XX/XXXX and deposited a check on XX/XX/XXXX, on XX/XX/XXXX I was informed that the check was being returned, however the check cleared and is in my account, my account is frozen and I am unable to withdrawal funds. The bank is closing my account for suspected irregular activity after just one deposit. I have tried numerous times to obtain the balance in my account however the branch is saying they have no control over it, and the customer service department says it is up to the branch. I have been told twice now that the branch would have the check mailed to me within 5 business days however neither time that was true per further conversations with Customer Service. I require this money for an upcoming move.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: MA

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX XXXX, I received an email notification about changes to my account and a text about alerts for my new digital checking account. However I had not logged onto Experian recently and had not made changes to my account or signed up for a new checking account. I tried to log in to see the issues but the site stated that my username/password were incorrect. After trying multiple contact numbers, I finally reached a representative to fix the issue. They collected my verification info and pin, but when they instructed me through the password reset process I neither received the automated emails or texts to verify my account. They could not take any other action on XX/XX/XXXX and said that theyd elevate my issue. I received an email today to mail in copies of several identifying-documents, but that means that until the documents are received and physically reviewed, someone still has access to my Experian account with no resolution from experian. I also called their XXXX XXXX customer service number and they confirmed that someone had opened an account in my name- they closed the account but had no answer as to how an account was opened despite my credit being frozen, nor how I could prevent this from happening again. Overall Im still actively a victim of identity fraud, and I have no faith in experians ability to prevent such unauthorized access in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: FL

Complaint narrative:
I have requested A Refund for an unauthrorized charge and a membership I did not request I have sent XXXX or more emails to tomo and sent cert mail and countless hours on trying to get my money back and make contact I made conatct with them within XXXX of seeing the illegal charge on my card and email for a membeship with days of aggravating and harrasing emails turning into weeks now even after I have opted out the Customer Service department only sends scripted emails there is no phone number anywhere for the XXXX company I tried to use this service for help while they get away with breaking the law and violating my rights so they respond that they cancel my membership after XXXX weeks but will not return my money even after the fact i did not use one secound of thier service or ask for anything products they respond with ... ....

" As outlined in our terms, the payments made are non-refundable. This policy helps us allocate resources and support our services effectively. We value your feedback and are committed to ensuring a satisfactory resolution. If there are any outstanding issues or further assistance we can provide, please do not hesitate to contact us directly. Sincerely, XXXX '' XXXX XXXX where is the phone number????????? how do I contact anyone directly>> about my refund I never read your terms because I never wanted your service do you understand that XXXXXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request the ability to opt out of certain accounts on my EXPERIAN consumer report, in accordance with the provisions outlined in 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( a ), and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, # XXXX As a consumer, I understand that I have the right to control the sharing of my nonpublic personal information with nonaffiliated third parties. Specifically, 15 U.S.C. 6802 ( b ) mandates that financial institutions must provide a clear and conspicuous notice to consumers about their right to opt out of such information sharing. Additionally, 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) further detail the requirements for financial institutions to provide consumers with an opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties.

I am requesting that EXPERIAN, as a financial institution subject to these regulations, prove EXPERIAN provided the consumer the ability to opt out of the inclusion of certain accounts on my consumer report. This request is made to ensure that my nonpublic personal information is not disclosed to nonaffiliated third parties without my explicit consent.

1. Notice and Opt-Out Rights : According to 15 U.S.C. 6802 ( b ), I am entitled to receive a notice that clearly explains my right to opt out of the sharing of my nonpublic personal information. This notice should include a straightforward explanation of how I can exercise this right.

2. Regulatory Compliance : Both 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) require financial institutions to provide consumers with a reasonable means to opt out of the disclosure of their nonpublic personal information. EXPERIAN must comply with these regulations by offering an opt-out mechanism that is easy to understand and accessible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
I noticed that there are still hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime bank email to me : Were sorry to share the news that we have decided to close your Chime XXXX XXXX XXXXXXXX XXXX XXXX Account, Chime XXXX XXXX XXXX XXXX Account, and your XXXX  for Secured Deposit Account, effective immediately. 

Your account was closed for the following reason ( s ) : * Legal OR Law Enforcement Request At this time, you are not eligible for a refund of any remaining account balance.

If youd like to get in touch with Chime XXXX XXXX about this decision, please reach out via live chat in the Chime app or call 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Ive been making payments on my synchrony/XXXX XXXX ( act. # XXXX ) for over 2 years & all of a sudden on the XXXX statement they started charging me a {$1.00} paper statement fee with no previous warnings, so i called synchrony customer service & they said if i signed up for paperless payments i would get a XXXX XXXXcredit on next statement, i verified my email adress & then she wanted my social sec. #, mind you the c.s.operators are from a foriegn origin such as XXXX or XXXX & barely talk XXXX & refused to give her my XXXX # because synchrony already has this info & to just start sending the payments to my email which was already verified.I recieved the XXXX statement in paper form again & they charged me another {$1.00} paper statement fee & a {$28.00} late fee & now they are sending me emails stating that i havent made my regular payment which i did on XXXX & is not due till XXXX & i just verified thru my banking institute that my payment was made & recieved by Synchrony on the XXXX of XXXX just tried talking to another foriegn Synch.cust.serv.agent to try & resolve the problem on there end & got hung up on after almost XXXX min.on the phone.So now im filing a compliant against Synchrony Bank ( XXXX XXXX XXXX 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 explanation