vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
RE : XXXX Social Security Number Reporting - Account # XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute the reporting of a Fifth Third Bank account to an incorrect Social Security XXXX. This error constitutes a violation of multiple sections of the FCRA : 1. 15 U.S.C. 1681e ( b ) requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) states that furnishers of information may not furnish information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

3. 15 U.S.C. 1681i ( a ) ( 1 ) requires a prompt investigation of disputed information in a consumer 's file. 

correct SSN is attached in application from bank ending 2233 Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), you have a duty to correct and update information you have determined to be incomplete or inaccurate. I request that you : XXXX. Immediately investigate this error XXXX. Correct the Social Security Number associated with this account XXXX. Notify all credit reporting agencies of this error XXXX. Provide me with written confirmation once the correction has been made Per 15 U.S.C. 1681i ( a ) ( 6 ), I request that you send me the results of your investigation in writing. If you find that the information is indeed incorrect, you must promptly delete or correct the information pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
my chase student checking account was closed. I just opened it 2 weeks ago. my bank card never came in the mail so i had been using the apple pay card from the app. i made a few zelle payments because i didnt have access to a physical card. 
on XX/XX/XXXX, i got 3 notifications. the first was that my number was removed from my account, then my number was removed from my zelle connected to the account, then they said they need more information about my account so i needed to call them. this was all around XXXXXXXX XXXX. I called at XXXX am, they said the account had already been closed and they can not tell me why. they didnt offer to help me resolve it, like the messages said, or ask for any new information. 
yesterday, my account said the {$100.00} would be coming on XX/XX/XXXX because i completed the requirements, and im not sure i they will give it to me if my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
Oxygen XL representative called me today, XX/XX/year>, asking for XXXX XXXX, my sister. It was difficult to understand the caller, the caller is not from USA. When I was finally able to understand him, he said it was a personal matter regarding debt and he needed to confirm information. At that point, I told him to cease and desist from calling and that I would be reporting them to all agencies that handle Debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

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 : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XXXX We wired {$2500.00} to Shellpoint for mortgage payment XXXX They say they have not received it. Our bank provided Shellpoint with wire information on the transfer. They keep asking for " copy of check ''. We have told them that it was not a check that bank the bank sent but a wire transfer. We have asked repeatedly for help in resolving matter for previous XXXX months. We have repeatedly asked for a call back from a supervisor to help solve matter. 

They refuse to give us any visibility as to how or when this will be resolved.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
On XX/XX/year>, I received an email from XXXX informing me of an Amazon store card online credit request that I DID NOT make. I have dealt with identity theft before, so I called Synchrony Bank directly. They informed me that someone tried to open the store card with my name, address, email, but with a different social security number. The staff member informed me that the application was not opened yet, and they did request additional identification. They informed me that they would alert the credit bureaus that the application was fraudulent. They also told me that if this issue continues, I may need to change my social security number.

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I have been waiting for this account to close and it still have yet to closed. I have money waiting on me in there that I need. I worked hard for that money and Sofi bank will not send the money back to the sending or unrestrict my account. I need my account closed or I need Sofi bank to send me a check with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My phone was stolen and the person XXXX  {$1000.00} from my checking account with chase to himself. Chase returned the money and a week later gave it back to him stating they found nothing fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have always paid my XXXXXXXX XXXX XXXX account ( Account No. XXXX ) on time and take my financial responsibilities seriously. Despite this, an inaccurate late payment has been reported on my credit file. I have also noticed inconsistencies in how the credit bureaus are reporting my payment status. For example, TransUnion and XXXX show Paid or Paying as Agreed, while XXXX reports Current, was past due 30 days. This inconsistency violates the requirement for maximum possible accuracy under 15 USC 1681e ( b ). It also breaches 15 USC 1666b ( a ), which states that payments received on time can not be treated as late. If this issue is not corrected, it constitutes willful noncompliance under 15 USC 1681n, making the responsible parties liable for damages of {$1000.00} per violation. 

These errors are unfairly damaging my credit score and causing me unnecessary stress. I request that this inaccuracy be corrected immediately so all credit bureaus accurately reflect my payment status as Paid or Paying as Agreed.

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 2024-12-16 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: MA

Complaint narrative:
I have always paid my XXXXXXXX XXXX XXXX account ( Account No. XXXX ) on time and take my financial responsibilities seriously. Despite this, an inaccurate late payment has been reported on my credit file. I have also noticed inconsistencies in how the credit bureaus are reporting my payment status. For example, XXXX and Equifax show Paid or Paying as Agreed, while XXXX reports Current, was past due 30 days. This inconsistency violates the requirement for maximum possible accuracy under 15 USC 1681e ( b ). It also breaches 15 USC 1666b ( a ), which states that payments received on time can not be treated as late. If this issue is not corrected, it constitutes willful noncompliance under 15 USC 1681n, making the responsible parties liable for damages of {$1000.00} per violation. 

These errors are unfairly damaging my credit score and causing me unnecessary stress. I request that this inaccuracy be corrected immediately so all credit bureaus accurately reflect my payment status as Paid or Paying as Agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI

Complaint narrative:
On XX/XX/XXXX I entered a consent judgement with the law offices of XXXX XXXX after many attempts to resolve the debt, offering well above 60 % of the original debt in lump sum payments they refused any agreement so we went to court. 

We agreed to what I could do which was {$50.00} a month. The original debt on the consent judgement was {$5700.00}. I paid {$50.00} every month from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX a woman from the office called me and stated XXXX false things. 

XXXX. ) That I still owed the full amount of {$5700.00} after 11 months of {$50.00} payments, the total should have been {$5200.00} or slightly higher with any potential interest accrual. 

XXXX. ) That my wages would be garnished unless I tripled my monthly payment to {$150.00}. 

I emailed the lawyer who was working my case to inform him of this and he didn't respond, although it created a hardship and continues to do so I have been paying the {$150.00} a month because I was threatened with garnishment and more court fees. I have since made every payment stating in XXXX of XXXX for {$150.00} a total of 9 months not including this month XX/XX/XXXX my total should be at or around {$3800.00} in remaining debt. 

Today on XX/XX/XXXX I was called by the office and told that I still owe {$5700.00}, I was also told they are hitting my account with 6 % interest. I have no confidence in their record keeping, or ability to manage debt. In addition they continue to make threats, be disrespectful and lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
RE : Trafficking Block Request Dear Sir or Madam : This is my third time stating that I am a victim of XXXX trafficking. I provided all the information but i received a letter saying the my information wasn't accepted, i am disappointed and outraged. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( XXXX ) resulting from trafficking that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity 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
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
RE : Trafficking Block Request Dear Sir or Madam : This is my third time stating that I am a victim of XXXX trafficking. I provided all the information but i received a letter saying the my information wasn't accepted, i am disappointed and outraged. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( XXXX ) resulting from trafficking that should be blocked : 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 XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity 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