vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
escription of complaint : XXXX, XXXX and Experian have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX XXXX XXXX  ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not one of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XXXX and the other as XXXX  This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.

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 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
I filed a police report at my hometown Police Department about a Credit card never received with USAA. Police report # XXXX then I submitted a claim with FTC and it was erased. Then i received a letter from USAA stating that they needed my signature to let the credit companies know about the situation and then suddenly the debt appeared again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
My Chime checking account was charged {$17.00} via my debit card from merchant XXXX I was attempting to cancel a free trial on XXXX 's website, and somehow in the process my card was charged without my consent. I immediately requested a refund, which XXXX denied. I then immediately reached out to Chime to report the fraud. The agent who I spoke with was very rude and unhelpful. When I asked for a supervisor, the agent hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681, I advised XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  - Account XXXX  : XXXX XXXX XXXX  - Account XXXX XXXX XXXXXXXX XXXXI - Account XXXX XXXX XXXX XXXX XXXX Account # : - XXXX. 

However, the credit agencies all stated everything was complete, and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also another violation is 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681, I advised XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 

However, the credit agencies all stated everything was complete, and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also another violation is 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: GA

Complaint narrative:
I had illegal charges on both of my checking accounts from XXXX. My account was illegally charged on both checking accounts that Synovus paid. I disputed these transactions and Synovus never ever investigated. Because of this every transaction that was deposited into my account also went to these illegal transactions. I have called Synovus multiple times because of this to no avail.

Synovus has a history to doing this to certain customers. This bank need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  Balance : {$13.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$4700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX XXXX Balance : {$4700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-12-30 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: CA

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-12-30 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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
XXXX, Equifax and XXXX have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not one of the 3 reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} one company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have two different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: LA

Complaint narrative:
XXXX XXXX needs to be removed and deleted from my credit report due to the Statue of Limitations it has been XXXX years and XXXX months I have spoken to the company and they repeatedly re-age but never delete please delete and remove immediately 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 2023-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
The company reached out to me by mail informing me of a debt I have with them. Ive never done business with this company so Im not aware of what type of debit this is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: OH

Complaint narrative:
There is a collection for {$180.00} for XXXX XXXX thats keeps getting sold on after it get removed! I have disputed over and over but keeps getting sold. Now IC systems is reporting I owe a balance for XXXX XXXX which they stated would be removing off my credit last time I disputed but again sold to IC systems with a now {$180.00} balance. They are not authorized to collect in the state of Ohio as well upon my research. I need this removed off 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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I was using credit karma for a while and XXXX XXXX I noticed the phone number was changed I did not know. I also seen a couple of transactions I did not do, I immediately called them said their was fraudulent charges and freeze the account. The hacker had stile my identity and compromised my email. ( Said hacker is in jail now. ) I was seeing my money steadily going to XXXX accounts XXXX accounts XXXX XXXX and a XXXX XXXX that I know of even got into my work email and had my payroll routed to a fake account in my name to him. He got my ID and SSCard because the only way credit karma would even deal with me is by emailing them copies of identification. All the while my money was jus gone. I got a detective out of XXXX XXXX Tennessee to help me which we are still dealing with. XXXX locked me out of my own account and thr hacker kept changing the password which is what I told them they would not listen all I got was they were turning that over to their escalate department that ONLY COMMUNICATES via email. So the entire time I was telling them the hacker was in my email and I would not conversate with them thru rail. Now all these months later tracking this man down credit karma said they have distributed all my money back minus XXXX I have no clue when or what or where it was sent because at XXXX point they closed the account so where was my money sent? I've not seen a XXXX of my money since XX/XX/2023. They said they mailed XXXX to me XX/XX/2023. It never came and they are demanding I send them my ID thru email bc again u can't speak to that depth. They have caused XXXX my job a loan to jus live now my home everything has been taken from me and they think it's not a big deal and I'm irrational because I won't email my private information. I will never do that again bank 's call me a liability I have numerous loans I don't know about and about XXXX credit inquiries and XXXX knows what else. This banks negligence has ruined my life still refusing me the XXXX much less all my other money they said the fraud dept repaid they tell me XXXX minute I don't have the correct address on file transfer my call and that person says XXXX us my correct address. I now see a XXXX XXXX XXXX of all of this it's major XXXX and the not knowing how or who or anyone to help me a lawyer says XXXX a great case but wants XXXX pwr hour I can't do that I can't even get my other money. I need help please getting all of my money they call me a liar they hang up on me daily I can't do it anymore

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: IL

Complaint narrative:
I have sent XXXX different letters asking the credit bureaus XXXX, Experian, XXXX to remove the hard inquiries from my credit report since I did not authorize them, I was not successful with XXXX and Experian but XXXX did make the correction. 


The first letter was sent to XXXX, Experian, XXXX on XX/XX/ The second letter was sent to XXXX, Experian on XXXX  The third letter was sent to XXXX, Experian on XXXX  The message of the first letter was : " To Whom It May Concern : I am writing to request that the following inquiries are removed from my credit report, as I did not authorize them, and they are harming my ability to obtain new credit. 

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 Thank you for you prompt attention to this matter. I would appreciate an updated copy of my credit report once the inquiries are removed. 

Sincerely, " I have called them explaining the situation multiple times and they claim that they can't do anything to help me. 

For this reason I am filing a dispute, I need help, 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 non-monetary relief