vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I recently received notice of a collection account being reported to the credit bureaus from : I C System, Inc originating from XXXX XXXX on XX/XX/year> for {$180.00}, opened XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide you with proper notification about a debt before attempting to collect it. 

As of today, XX/XX/year>, I have never been contacted by I C System or XXXX XXXX about this bill, nor the negative collection report that was filed to the bureaus. In fact, I have never had services from XXXX XXXX. I have never signed any paperwork/contract to have their services, and I have never had an account under my name and information with XXXX  at any point in time. 

I contacted XXXX XXXX at XXXX PT on XX/XX/year> on a recorded phone call to ask for more information about this account. XXXX  informed me that they have no records of any account with them under my name, phone, or any other contact information. I asked them to contact I C System to remove the account from my credit report and they informed me they wouldnt know how since I have never had an account with them. 

Due to violation of the FDCPA through absolutely no communication with me by XXXX  or I C System, Inc about this debt account, and the fact that I have never had an account with XXXX  ( which was verified by XXXX  ), and no one can provide any evidence of any signed documents or verification information that I ever had an account with XXXX, then this collection is fraudulent and inaccurate and needs removed from my credit report on all bureaus 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX I requested all my personal info be corrected via deletion and updated and upon checking today the incorrect names, employers etc are still showing AFTER they said the info is deleted

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 2024-12-28 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: NV

Complaint narrative:
consumer name : XXXX XXXX, consumer ssn : XXXX, consumer date of birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605b that you, the Transunion credit reporting agency block and remove information on my credit report that is the result of fraud and identity theft within 4 business days of you receiving this complaint.

These fraudulent accounts consists of 2 personal credit cards opened with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, a credit card with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and a credit card opened with XXXX  on XX/XX/XXXX. I did not open nor authorize these accounts and have informed your agency of this for 3 years. Your continuances reporting these fraudulent accounts on my consumer FICO credit report have tarnished my reputation to lenders. The aforementioned accounts, maintained by you, were not opened, initiated, or made by me and is a misrepresentation of my character and financial credibility.

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 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had a new air conditioner installed. I applied for credit and was approved. My contract was assigned to XXXX XXXXSynchrony Bank . My payments began XX/XX/XXXX for {$130.00}. I am a XXXX XXXX XXXX Veteran and I get my XXXX payment every XXXX of the month. On XX/XX/XXXX I made my payment. My second payment was due on XX/XX/XXXX. I made my payment once again the day of my XXXX payment on XX/XX/XXXX. Then beginning in late XXXX I began receiving dunning notices from Synchrony Bank. I immediately began to contact bank customer service, overseas customer service, beginning in late XXXX and has continued till today. They claim since I was day late, the XXXX instead of the XXXX, I garnered a {$40.00} late charge for each month, XXXX & XX/XX/XXXX. I made the XXXX payment on XXXX. However even though I made the XXXX payment on the XXXX, Synchrony says it's a short payment as some of the payment was applied to the previous late charges and those late charges then incurred additional interest!! Interest on interest?? Today I once again tried to resolve, I contacted Synchrony 's overseas Customer Service. They once again refused to reverse the late charges and when I requested a written breakdown they refused. How can I confirm if who is right if they refuse to provide proof of debt. I don't want to have my credit profile damaged by this terrible banking company. At age XXXX I am ready to buy my first home but any kind of derogatory hit will sink my opportunity. Please assist me

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 2024-12-28 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: TX

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 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-28 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
Discovering that I have been a victim of identity theft has been an incredibly upsetting experience. My personal information has been misused, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I have no connection to or knowledge of. Recognizing the severity of this issue, I took immediate steps to address it. Following Experian 's guidance, I filed a report with the Federal Trade Commission ( FTC ) and submitted it as instructed to help resolve the matter. Unfortunately, despite these efforts, the fraudulent entries remain on my credit report. This ongoing situation has been both frustrating and alarming, as it continues to impact my financial stability and overall well-being.

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 2024-12-28 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:
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 account listed without my expressed written consent.

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 2024-12-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report contains errors in violation of 15 USC 16c-2. My credit report contains errors in violation of 15 USC 16c-2. The listed hard inquiries were not authorized by me, and they are affecting my credit score. I request their removal.

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 2024-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
I made a mobile check deposit at XXXX on XXXX XXXX from a personal check written to me, in my account. I have cashed a check recently from the same payor that cleared and was no problem. The app told me {$220.00} would be available immediately and the rest would be available by XXXX XXXX. The {$220.00} was in my available balance and I made a few purchases. Then one of my purchases was rejected so I checked my account again and they took the {$220.00} out of my balance which gave me a negative balance of - {$160.00}. When I called them they told me that the entire check, {$500.00}, would be held until XXXX XXXX. I have called multiple times as the person who wrote the check informed me that as of XXXX XXXX, the money had been debited from his account and his bank advised that he could not cancel the check because they already sent it to my bank. My bank refused to release the money to me and also refused to tell me the reason they were holding it. My account is more than 30 days old, I have never had any checks bounce back, and the check was only {$500.00}. The person who wrote it also sent me another check that cleared a few weeks prior. 
Now today is the XXXX. The app states that this check is APPROVED! The app also states that the transaction is complete and that the funds have been deposited in my account, however my available balance is still - {$160.00}. When I reached out I was given no reason as to why it was being held another entire day besides they said they didn't receive the money yet. They completely ruined my XXXX. This check has been cleared since way before XXXX and is my hard earned money that they have held over XXXX which was for my XXXX year old sons presents. They won't give me a reason. They have received the funds and refuse to give me access to 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 2024-12-28 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: AR

Complaint narrative:
I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-28 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: MD

Complaint narrative:
See CFPB Complaint ID XXXX for original complaint. US Bank failed to provide proof that I agreed to pay an escrow waiver fee in the closing documents. They sent me a long-winded document of how they feel the fee is acceptable, but their statements are non-binding. Nowhere in my closing documents do I see where I agreed to pay a fee to have the escrow account closed. XXXX XXXX  ( original lender ) transferred servicing of my mortgage loan to US Bank effective XX/XX/XXXX, however, the document clearly states nothing about my mortgage loan would change. But even so, US Bank feels entitled to apply a fee I did not agree to for closing my escrow account. I'm attaching feedback on US Bank 's XX/XX/XXXX response to the above referenced claim. My comments are included in red.

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 2024-12-28 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: NJ

Complaint narrative:
I hereby state that I did not receive my periodic statement for my XXXX XXXX XXXX XXXX account XXXX from XXXX XXXX XXXX XXXX within the 21-day timeframe required by 15 USC 1666b ( a ). This statute mandates that creditors mail or deliver periodic statements, including the required information under 15 USC 1637 ( b ), at least 21 days before the payment due date.

I further state that the failure to receive my periodic statement within the 21-day timeframe may have prevented me from making timely payments and may have resulted in adverse consequences such as late fees, negative credit reporting, or other penalties.

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 2024-12-28 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: NV

Complaint narrative:
Im writing to address an unauthorized inquiry that has appeared on my credit report, which I suspect is fraudulent. Upon reviewing my report, I noticed an inquiry from a company I have no connection with. I have not applied for credit with this company, nor have I given consent for such an inquiry to be made. This unexpected activity is deeply concerning, as I prioritize protecting my financial privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/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 2024-12-28 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/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 explanation