vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX XXXX Purchases were made for the amount of XXXX with my Gap credit Card in Texas, while I was physically in XXXX NY. It all started with a sim swap for a XXXX account where my identity was stolen. Later used fraudulently for a credit line. I did file a police report as soon as I realized that I was a victim of identity theft. I filed the police report on XXXX XXXX contacted Barclays the company for the Gap card too many times since XXXX when I found out I was being over charged with items I never purchased. The Account was closed on XXXXXXXX XXXX XXXX  for further investigation. After the investigation they said the activity is valid because the card was identified as being in my possession and chip card technology was used. I'm being accused for something that I'm a victim for.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XXXX XXXX XXXX, XXXX XXXX ( XXXX ) inquired about credit. I didn't initiate this and reported it as fraud to both XXXX XXXX and Equifax. XXXX XXXX was able to stop the account from being opened, but Equifax will not remove the hard inquiry from my credit report. I use a credit monitoring/identify theft service ( XXXX ) and they have not been able to get this removed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Around a month ago, I came to realize that ChexSystems has been sharing incorrect information with banks, which has unfortunately led to me being denied some business opportunities. To set the record straight, my name is " XXXX XXXX. '' However, in my ChexSystems report, specifically under XXXXXXXX XXXX, it's strangely spelled as " XXXX XXXX. '' I want to XXXX that this misspelled name isn't mine, and I'm certainly not the only XXXX XXXX out there. 

What's more, they've also listed an address and phone number that I have absolutely no familiarity with, although they seem to be linked to my local community. I can assure you that I've never had any connection to these details. Discovering this bewildering information on my report has left me concerned, and it's having a negative impact on potential business opportunities. 

I'm kindly asking for their immediate removal of this inaccurate information from my ChexSystems report. It's crucial to rectify this false data, as it's led to misunderstandings and unjust denials. I've already taken steps by getting in touch with the bank and filing a complaint to have this misinformation removed.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
As of XX/XX/2023 XXXX has incorrectly dropped my XXXX FICO credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window. I had different XXXX Inquiries for Mortgage loan products on XX/XX/2023, XX/XX/2023 and XX/XX/2023. All within the 45 day allotted shopping window for mortgage products. On XX/XX/2023 XXXX deducted XXXX points for the hard inquiry on XX/XX/2023 and another XXXX points on XX/XX/2023 for the inquiry on that occurred on XX/XX/2023. 

As of XX/XX/2023 Experian has also incorrectly dropped my Experian FICO Credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window.

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I'm trying to contact about the Wells Fargo remediation. I've had an account for a very long time, many unjust fees and overdrafts and have had no contact from them. My partner got his check, but I haven't received any word

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I pulled my credit report via my Experian account on XX/XX/XXXX. I noticed a single derogatory Collection account from XXXX XXXX. I filed a dispute with Experian via their online dispute center and after 2 days they have " validated '' the account. I've never opened an account with this company or the debt they represent. I was not given any written proof of their findings as required by law. The account alleges to have been opened on XX/XX/XXXX yet I have no credit inquiries on or around that date. No inquiries in the month of XX/XX/XXXX at all.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer Reporting Agency can not furnish An Account Without my Written instructions Under 15 USCS 1666b a creditor may not treat a Payment on a Credit Card Account under an Open End Consumer Credit plan as late for an Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was referred to your office by the Maryland Attorney General 's office. I made a purchase from XXXX XXXX XXXX, which uses Synchrony Bank for their loans on XX/XX/2022. My main reason for making this purchase was because of XXXX XXXX XXXX 12-month No Interest Charge offer. XXXX XXXX XXXX offered me a XXXX limit credit card from Synchrony bank, after checking my credit and their agent explained that that is how their process worked. My amount to be financed was {$4700.00} after I had paid XXXX XXXX XXXX {$1000.00} by check on the day of my purchase. I have paid my minimum payment to Synchrony Bank on time since then, except for XXXX, when my payment was due of XXXX, which I paid on XXXX, due to forgetfulness. At that time, after a close look at my account details, I realized that I have been billed interest charges all along although I been supposedly given a promotion of no interest charges for a year. This has added approximately {$1000.00} to my balance and is negatively impacting my credit history that has always been good. 
I am therefore asking that you please intervene and have Synchrony Bank remove the interest charges from my balance. I am doing my best to pay my actual balance with by XXXX, thereby taking advantage of the promotion that I was given. I have contacted Synchrony Bank and XXXXXXXX XXXX XXXXXXXX and they have continued to ignore my requests, although they are fully aware of the validity of my claims. I have my receipts and other documents as evidence.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete a reinvestigation within 30 days however equifax states my account was verified as accurate however if you look at the letter they sent me in the mail its not 100 % percent accurate look at the misspelling of my name therefore the proper investigation wasnt done correctly & i demand that XXXX XXXX XXXX  be deleted from my account along with the 22 hard inquiries in which Ive disputed also. Equifax is not following the FCRA rules its illegal and wrong. There stopping me from establishing positive credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
I recently applied for a mortgage and I was told that a judgement was filed under my name for a XXXX account that was opened under my name in 2015. I have never had a XXXX account in my life. Someone must be using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
On XXXX Mr Cooper mortgage company who I pay escrow and my mortgage payment to, did not pay my Town taxes nor my home insurance. Due to this I will be charged fees. I pay monthly and early. Mr Cooper is happy to take my payments but not do the right thing by paying my insurance and escrow. Thisis illegal they are taking my money and not making these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus Experian, XXXX and XXXX regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these addresses deleted, but Im being ignored. The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.

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 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Hi, I received an email from XXXX for credit alert as below on XX/XX/XXXX the following change to your credit file has been detected. 
Change : Major Derogatory Account XXXX : CAINE & WEINER Reported by : XXXX Below are details I found when i login to XXXX. 

Account info Account name : CAINE & WEINER Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/XXXX Status : Collection account. {$150.00} past due as of XX/XX/XXXX. 
Status updated : XXXX XXXX Balance : {$150.00} Balance updated : XX/XX/XXXX Recent payment : - Monthly payment : - Original balance : {$150.00} Highest balance : - Terms : 1 Months On record until : XX/XX/XXXX Original creditor : XXXX Contact info Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am never a customer of XXXX, This is Fraud. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My card information was stolen by someone and was used and bring my account in a negative, yes its my account but it was stolen and used

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got paid yesterday XX/XX/2023 and everything was fine. I woke up the next morning trying to log in to my banking app and it kept giving this error of username and password not found and my account was locked. I called the bank and they said that corp had decided to end the relationship with me and closed my account with no explanation. I have bills. Rent and car payment due and I can't even access my own money. They put in a request for me to access my money faster but even that can take days. I'm so upset!! They waited until my direct deposit hit to do this. After all the fraud I've dealt with them for the last 2 years. People making checking accounts under my name in different states and money being taken out of my account by scammer. I've been sent several different debit card within the last couple months because of fraud and then they close my account? This is 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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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