vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: LEXISNEXIS
State: NJ

Complaint narrative:
On about XX/XX/XXXX, I tried to dispute information in report Accuity provided to the Social Security Admin. They told me I would have to request a copy of the report first. I requested it. On XX/XX/XXXX, I disputed the information in the report orally, by email, with a copy sent by mail. I included the case and consumer number given to me by Accuity on these disputes. Accuity sent me a letter on XX/XX/XXXX, received on XX/XX/XXXX, with a different case number and ID number saying I needed to provide my personal information again. I sent this on XX/XX/XXXX. I just received another letter, with a third case number and ID number, asking for personal information again. Rather than deal with the dispute, they keep opening new files and asking for the same information. It has been more than 30 days since I first tried to dispute the accuracy. In the meantime, I am being removed form XXXX and XXXX while I have extensive medical needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: IL

Complaint narrative:
I recently pulled my experian reports and noticed you are reporting accounts that are incorrectly reported as late or delinquent for XXXX XXXX acct # XXXX I requested that Experian investigate this late payment which has been placed on my credit report causing my credit report to decrease and since then has ruined my reputation. 
Pursuant to 15 U.S. Code 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Pursuant to 15 USC 1692J ( a ) it is unlawful to design, compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Because the account was never 30 days past due, and the fact of the payment history attached showing no missed payment, means the account XXXX XXXX credit card has not been properly verified. Please delete this account XXXX XXXX credit card # XXXX immediately from my credit report, as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 Payments were never late exhibits attached to show payments made and a late payment fee being credited to my account, but was reported to the creditors

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 2023-12-18 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: SC

Complaint narrative:
A XXXX credit card has sbown up on my report with a missed payment from XX/XX/2022. I am not the correct owner and my report shows authorized user. I never approved this. I do not have access to this credit card. You have the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Visited XXXX XXXX  XX/XX/XXXXXXXX  to order furniture to be oredered nad delivered in XX/XX/XXXX. 
Salesperson told me " Promo '' started XX/XX/XXXXXXXX  and is 12 month in duration. Trap # 1 Set up auto pays so could pay over time- I have a XXXX credit score and no credit cards bills Next- I get XXXX statement from Synchrony Bank and no interest is charged so I assume all is correct. XXXX I see an interest charge and I IMMEDIATELY call - we start a dispute to clear up confusion as my 12 month " Promo " should be XXXX or now. 
I have made 19 calls to both Synchrony AND XXXX to problem solve. Spoken to at least 20 different people, like XXXX employee ID XXXX, XXXX and XXXX employee ID XXXX. Calls spanned from XXXX through today and I have those details. 
One acct manager had a solution of asking XXXX  to extend the promotion int heir system so it would feed to Synchrony, adjust and then we would be clear. XXXX, managet at the XXXX store in XXXX FLorida agreed and submitted. Synchrony is saying sorry - not possible and I woe over # XXXX in accumulated back interest at a whopping 30 %. I was given different information and acted in good faith. I am reasonble and have taken the neecesay action steps- so much as paid the balance in full in XX/XX/XXXXXXXX  to be sure by XXXX we were in a credit balance. I am so upset as can not affor to waste {$3300.00} in insane highway robbery inteest rates. This sounds borderline illegal. I need help advocating as I have exhausted myself trying to elevate and problem solve. ANy recourse other than go to court at an additional expense? thank you in advance!

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 2023-12-18 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 XXXX XXXX XXXX. 
Account name : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ANY AND ALL NEGATIVE REPORTING IS DEFAMATION OF CHARACTER. THIS COMPANY IS NOT AN OFFICIAL GOVERNMENT REPORTING AGENCY. I WILL BE FORCED TO SUE THIS COMPANY IF THEY CONTINUE TO CAUSE HARM TO MY WELL BEING WITH DEFAMATING MY NAME. GIVING FASLE CONSUMER SCORES AND SHARING/SELLING MY INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT. 15 USC 1692 C, I DID NOT GIVE PERMISSION TO BE HARASSED BY YOUR NEGATIVE REPORTING AND SELLING OF MY INFORMATION. THE FAIR CREDIT REPORTING ACT 15 USC 1681 ; STATES REPORTINGS SHOULD PROMOTE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION, ARE MY RIGHTS. YOU HAVE 4 DAYS TO DO WHAT IS FAIR AND EQUITABLE TO ME AS THE CONSUMER AND REMOVE ALL NEGATIVE REPORTING. ALSO HJR 192 STATES THAT I HAVE UNLIMITED CREDIT BACKED BY THE UNITED STATES SO MY CREDIT SCORE SHOULD REFLECT THAT AS WELL.

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 2023-12-18 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: 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-12-18 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: CITIBANK, N.A.
State: NV

Complaint narrative:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Clearly you DO NOT WORK directly with the court. You added in a statement to a XXXX lease that isnt mine! This yet again is proof you just data collect UNTRUE information through poor outdated resources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Inaccurate Reporting of Account Dates and Status : The existence of the account in question is accurate ; however, the reporting of dates and status by the collection company is incorrect. Specifically, the account open date and the reported date of lateness ( XXXX ) do not align with the actual timeline of events. This discrepancy misrepresents my financial history. 
Misrepresentation by Collection Agencies : The collection company, XXXX XXXX, and their hired firm, Central Portfolio Control, have inaccurately reported the dates of the account opening, lateness, and the account status. This information is crucial for determining the timeline for the account 's removal from my report. 

I have contacted the original creditor, XXXX, and XXXX XXXX, who confirmed that they do not possess the detailed account information. This lack of availability of accurate data raises concerns about the legitimacy of the reported information. 
Violation of FCRA Standards : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. The reported information by Central Portfolio Control does not meet these standards. 

The dispute process with XXXX confirmed the existence of the account but did not address the inaccuracies in dates and status. This partial resolution fails to correct the misleading and damaging information impacting my credit score. 

In light of the above, I request an immediate investigation into these inaccuracies and the correction of my credit report in accordance with the FCRA. The continued reporting of false or unverified information by the collection agencies violates my rights and unjustly harms my creditworthiness. 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the true status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
While I was deployed ( XXXX XXXX XXXX ) I called One Main because my pay was getting messed up and I wanted to set up a payment plan with them to keep my account from becoming delinquent. I called them multiple times because they were struggling to understand my situation and provided me with the appropriate assistance to help me in my financial crisis. One Main told me that my account was up to date but still reported that my payment was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I have disputed a purchase in the amount of {$1800.00} two times already. I have sent police reports of my car being broken into and my wallet being stolen same day that purchase was made. I also made a police report for the fraudulent charge with XXXX XXXX. I have sent All information they have requested. They are holding me liable due to my driver license being present at the time of purchase. My whole wallet was stolen so of course the thief had my driver license as well. The company will not accept another dispute and is making me pay for the fraudulent charge!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/2023 I was at a XXXX in my city and basically i used a atm that was in there, i used my credit builder card and took out {$400.00} .. i notice that the atm didnt give me any of my {$400.00} i file a dispute through the atm and they told me to go through my bank when i went through chime, they told me to wait till it stop pending i waited one day on XX/XX/2023 i disputed the charge through chime and literally at XXXX XX/XX/2023 i woke up to a message saying my claim was decline and i never recieved the money from the atm or even recieved a refund.. i called the atm customer service and they told me that chime has been doing this to customer not really investaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
From XXXX to XXXX, I was involved in th idea that I had great approval odds for credit cards that insulted in many hard inquiries and predatory assumptions that I would be approved. This caused my credit score to not only drop but made it where other financial services would not provide me approvals for low interest loans ect because of the inquiries. Credit Karma created misleading information saying I'll have great approval odds but the truth was I had very little approval odds and was constantly denied the low interest loan or credit card in a higher limit. Credit Karma gave me false beliefs and I have suffered cause of it especially trying to get into apartments, attaining a loan for house and a low interest loan for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 i charge my card in the amount of XXXX and i left out of the store with the purchase of my son items i also tried to charge more items that suppose to been delivered to my house and never got delivered i asked that they remove the money that was charge and they said they had to investigate the charges and they gave me all these credit and rewards for me to used for free so my balance should be XXXX it is XXXX in which that is not the correct balance they refused to fixed the problem i was advised by XXXX today that they closed the account on XX/XX/2023 but never sent nothing to my house stated that please i need your help in fixing my bill the company is commenity bank with children place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has blocked my access to my online banking since XXXX. 
I currently live in XXXX and BofA was aware of this, they have all my abroad 's info registered in my bank account profile. 
They insist that I have to go to the US and step into a branch with two forms of ID because I don't have a US phone number where they can send a 4-digits passcode to verify my identity over a phone call. 

Is this really the only way this institution has to verify me over the phone? I just can not believe it. When I opened my account with them I provided all the info they requested and the banker never ever advised that I needed to have an US cellphone line for verification over the phone, and the representative was well aware that I would be abroad the US most of the time.

If the only way for this bank to verify people is having a US number capable to receive their security code ( which sounds even funny, because anybody could hack my phone number or steal my phone and have access to those codes ), they should have made me aware of such thing when they opened my account and filled out all my information.

I believe that they have a lot and enough info about me for doing a verification over the phone. It is unbelievable that I have to take a flight to the US just to show two forms of ID at the branch so I can continue accessing my online banking.

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