vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: GA

Complaint narrative:
The accounts and inquiries below are all fraudulent and do not belong to me. Please remove them from my credit report. I have included the identity theft report as well. Please also update my address to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I don't have any other addresses. 

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 delete this address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed these fraud Inquiries below. 

XXXXXXXX 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 2023-09-13 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:
The accounts and inquiries below are all fraudulent and do not belong to me. Please remove them from my credit report. I have included the identity theft report as well. Please also update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I don't have any other addresses. 

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 delete this address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed these fraud Inquiries below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
1 ) They inaccurately reported information to the credit reporting companies severely damaging my ability to obtain credit for a house, car, and utility payments 2 ) On XX/XX/2023 XXXX XXXX XXXX XXXX Threatened to sue me when it is clearly stated in my card member agreement that all issues should be settled via arbitration I have attached files showing the following : 1 ) Notification of Intention to Incur Court Costs by Filing Suit Letter 2 ) Proof of Adverse Action : Mortgage Denial, Car Loan Denial, Credit Card Denial 3 ) Arbitration Agreement 4 ) Applicable Segment of My Credit Report 5 ) Pre-Arbitration Demand Letter

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: ME

Complaint narrative:
In XX/XX/2023 I filed disputes for 3 transactions on my Chime account that I did not recognize. I was able to trace the transactions and cancelled the disputes within days of filing them. I DID NOT receive provisional funds when the disputes were filed. Due to the disputes the merchant, XXXX, locked my account. After going back and forth with Chime for months asking them to inform XXXX of the withdrawn disputes, which they refused to do, I had to file a CFPB complaint in order for Chime to honor my request. XXXX has my account still locked and after speaking with their corporate offices they have advised me that this is due to CHIME receiving provisional funds immediately when the disputes were filed and not returning the funds to XXXX when the disputes were withdrawn. I am now going in 3 months of not having access to my XXXX cash account. CHIME support is useless. All contact gets shuffled around from dept to dept and ultimately I am told " we will escalate this, someone will contact you '' and weeks go by without any follow up. When replies do come, they are copy and paste canned responses that do not address the issue what so ever. The responses are not even applicable to the situation. Due to CHIME not returning these provisional funds my account is locked until they are returned, this is affecting my ability to pay bills, get paid, feed my children, etc and affecting my credit score due as well as causing SEVERE financial burden and mental anguish. CHIME support will not even respond to my emails anymore. I have worked closely with XXXX support on this matter however their hands are tied to release the account until CHIME returns the provisional funds they were provided over 3 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: MD

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-13 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-13 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I applied online for a credit card through three different banks. I was approved on all three. When I received the card from XXXX ( onemain financial ) I decided against activating it due to the interest and fees. 

However, despite my card never being activated they opened the account and charged me an annual fee. They now are reporting it as 90 days past due on my credit and have significantly impacted my credit score. 

I attempted to locate a phone number to no avail. Their website is extremely limited on ways to contact them. I finally was able to get a real phone number and then their system did not allow me to speak to anyone unless I had my full card # - the very card I did not have after shredding it!! Through my credit report I located a number that got me to their collections department. 

I asked them to remove the charge as the card is not active, I no longer even have it physically. The representative said they can not even though she sees my card has not ever activated. I asked to speak to a manager and she refused to let me speak to anyone. 

I receive texts ever since I called them and Ive replied to texts and emails stating that I do not owe them an annual fee on a credit card I have never used or activated. Nothing has been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I have a loan with a payment of XXXX, and I am not escrowed. The company raised the payment to XXXX for no reason. I know it isn't a lot of money, however if they are committing fraud to me then they may be committing fraud to other customers as well. I have no notified the media yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
1 ) They inaccurately reported information to the credit reporting companies severely damaging my ability to obtain credit for a house, car, and utility payments 2 ) On XX/XX/2023 Portfolio Recovery Associate, LLC Threatened to sue me when it is clearly stated in my card member agreement that all issues should be settled via arbitration I have attached files showing the following : 1 ) Notification of Intention to Incur Court Costs by Filing Suit Letter 2 ) Proof of Adverse Action : Mortgage Denial, Car Loan Denial, Credit Card Denial 3 ) Arbitration Agreement 4 ) Applicable Segment of My Credit Report 5 ) Pre-Arbitration Demand Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested documents from the Bureaus, and i have been ignored!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In XXXX of 2018 I finance a Toyota XXXX for 60 months with Toyota financial credit. 
My credit rate was 19.75 % interest rate. 
During the duration of the loan. I got behind on 10 payments.

Toyota moved 10 payments to the end of my contract. My payments were {$330.00}. 

For each payment, over the 60 month contract that they moved to the end of the contract. I was charged an additional {$420.00} on top of the {$330.00}. Over the phone they said interest would occur on the money that I moved to the end of the contract but they did not tell me that the amount would come to {$4200.00}. That I would need to pay at the end of contract. After I paid the {$330.00} per month. I felt the company was Decepticon in using the term interest would be added. Not knowing that each payment I defer to the end of the contract with cost me an additional {$420.00}. Per payment defer to the end of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Credit Union payed off my balance to Citi Cards on XX/XX/XXXX for XXXX on XX/XX/XXXX I called Citi bank because it hadnt been applied to my account. I called again XXXX  times and spoke to XXXX Supervisors since XX/XX/XXXX XXXX till XX/XX/XXXX because still no credit to my account I called my Credit Union found out the check had been cashed by Citi Bank on XX/XX/XXXX XXXX and my Credit Union has issued a copy of the cashed check cashed by them. My full name, Address, and account number is on the check and I sent a copy of the cashed check that went to Citi investigation and still they have not credited my account. I have made a payment to the account on XX/XX/XXXX since they claim they didnt have the check and they have the check and cashed it.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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:
I have disputed unverified, unauthorized, and fraud related inquiries in XX/XX/2023, XX/XX/2023, and XX/XX/2023 on my Transunion report. As of today, Transunion has failed to respond to my dispute letters and the unverified, unauthorized, and fraud related inquiries are still on 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 explanation
Consumer complaint received 2023-09-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect information in 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