vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: GA

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. 
American Express violated these rights by reporting the account to be late and closing the account without my knowledge. American Express is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them one of their own settlement terms. See Attached email Copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have 2 fraudulent/unauthorized inquiries on XXXX I checked the XXXX and noticed XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX On my Equifax report I noticed XXXX fraudulent/unauthorized inquiries from XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX On my XXXX credit report I noticed XXXX fraudulent/unauthorized inquiries from Ally XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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:
I have 2 fraudulent/unauthorized inquiries on XXXX I checked the XXXX and noticed XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX On my XXXX report I noticed XXXX fraudulent/unauthorized inquiries from XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX On my experian credit report I noticed XXXX fraudulent/unauthorized inquiries from Ally XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-08-31 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:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2023-08-31 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX  but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.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 2023-08-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a purchase on XX/XX/XXXX on Amazon using the Synchrony Bank Amazon store card. On the purchase, there was an ability to get 12 months of 0 % financing with a equal monthly payments, which I selected, but, at the end of the month my bill from Synchrony Bank reflects the whole amount. When I called Synchrony and inquired about the amount on XX/XX/XXXX at XXXX PM EST, I was told by a customer service representative that they would have to change the purchase manually and it would reflect in 1 or 2 billing cycles ( i.e. months ). However, since the change may not be reflected within this months cycle I would have to either 1 ) pay the full amount or 2 ) pay the minimum and be charged interests. The customer service representative only solution was for me to call back in a week or two and see if the billing change has taken place, but admitted it generally takes 1 or 2 billing cycles.

I believe Synchrony is using predatory practices to entice people to select the " 12 month payment option '' and then unethically charge them the full amount so they can receive interests on the purchase while " the billing change is being made ''. I urge the CFBP to review Synchrony Bank 's use of this deceptive bait and switch tactic and to take appropriate punitive action against 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 non-monetary relief
Consumer complaint received 2023-08-31 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: VA

Complaint narrative:
I paid a bill from XXXX  that was in charge off as Im trying to get square with any money I owed. Some how XXXX XXXX reported it as a 30 day late and it tanked my score. It is not accurate and I would appreciate your help in this matter. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TX

Complaint narrative:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i requested the information but i received nothing and they evenually hung up on me. i NEVER received anything in the mail. i also disputed all 3 LVNVFUNDING LLC collection accounts with all 3 credit bureaus and they all removed the collection accounts in XX/XX/2023 but then i was inform today that XXXX and XXXX has put them back on my credit report with no notification and nothing has been sent to me that show /varify or validate theses accounts. i have sent a certifide letters to all that if this can't be varifide /validated and the information/documents be sent to me to remove them from report. i got nothing in response to my request. so they removed the accounds and they sent me a notification on the updated information stateing the collection accounts has been REMOVED from my report. they violated that by putting it back on my report and not sending me any documents to support it being back on my report. i'm requesting that ALL 3 BUREAUS take it off and keep it off of my credit report. by them putting it back on my report it is causing a hardship on me in moving forward in my life. not to mention they all are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TX

Complaint narrative:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2023-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC System Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my 3rd time complaining about this debt that I do not OWE! I had an unverified debt from RECEIVABLES PERFORMANCE MANAGEMENT LLC ( XXXX ). FIRST UP... THIS ACCOUNT WAS ON A BUSINESS ACCOUNT THAT IS WITH AN LLC AND I DO NOT HAVE ANY PERSONAL ACCOUNTS IN MY NAME THE COMPANY IS XXXX XXXX XXXX XXXX. SECOND IT WAS A FRAUDULENT CHARGE THAT WAS BILLED TO THE COMPANY WITHOUT ANY verifiable ITEMIZED SERVICES OF PURCHASES/SALES ETC. UPON THE DISCOVERY OF THE ACCOUNTING ERROR I REQUESTED PROOF OF ANY ADDITIONAL TRANSACTIONS XXXX COULD NOT FIND ANY BILL OR REASON FOR THE RANDOM CHARGE OF {$370.00}. XXXX XXXX XXXX  MADE A REQUEST TO REFUND THE CHARGE BUT XXXX CHARGE NOT FIND THE RECORDS OF THE TRANSACTIONS. THAT CHARGE WAS THEN RESERVED OFF OF MY ACCOUNT WITH 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 2023-08-31 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: FL

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT ED/XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT ED/XXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT ED/XXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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 one of my numerous 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 an alleged fraud or extortion. XXXX XXXX  XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-08-31 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: CO

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$30000.00}.

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 2023-08-31 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: IA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$580.00}

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 2023-08-31 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( XXXX XXXX XXXX XXXX XXXX ) that you are reporting in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( XXXX XXXX XXXX XXXX XXXX XXXX that you are reporting in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Good evening, Regarding the current situation I am experiencing, I have fallen victim to a fraudulent scheme presented by the self-acclaimed XXXX banking web application, XXXX. To satisfy the requirements of this web application, it required the utilization of the Cash App mobile application, through purchasing and selling of bitcoin transactions. As of XXXX on XX/XX/2023, the initial transaction submitted involved an introductory amount of {$48.00}, with a corresponding withdrawal transaction at XXXX, XX/XX/2023. Throughout the utilization of the web application, XXXX, additional funds were requested repetitively to guarantee the retrieval of funds invested. This lead to additional transactions, " for verification '', of amounts involving {$1400.00} ( XXXX - XX/XX/2023 ) and {$1200.00} ( XXXX, XX/XX/2023 ). Per the terms and agreement requested notated in the communication with the representative from XXXX, article XXXX and XXXX involves the description of block rewards. Through the implementation of block rewards, fees sent with transactions are included in the block and validation of transactions are prioritized based on the total amount of fees included. Although validation XXXX be processed at a certain rate, dependent on the accumulated amount of fee submitted, it does not state transactions can be denied due to refusal of payment of fees upfront. As shown through support ticket # XXXX XXXX as well as Cashapp and my business of banking, XXXX XXXX, are in refusal of disputing or refunding the amounts initially deposited when requested as I believe this is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation