vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank is saying that the card belong to me but youre not provide proof of purchase on that card. I need to know what was bought with the card so I can dispute it because none of that on the card belong to me because I never shop at XXXX XXXXXXXX so you would have to tell me what was bought on that card so I could report it as fraud and reported to the police if you can not provide this information, you need to close this 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has been reporting that I have : Serious Delinquencies and public record of collection filed Time since delinquency is too recent or unknown Lack of recent installment loan information I have filed, during the last few months, two disputes with Experian about these comments. They list many of my accounts and ALL SHOW NEVER LATE. I requested they send me a list of any delinquent accounts. They never responded. After the first dispute, they notified me the errors were corrected. They have never responded to my second dispute. The incorrect negative comments continue. 

I had a XXXX XXXX bankruptcy that was discharged on XX/XX/year>. I never had any delinquent accounts during that procedure. I made payments to all accounts, even the ones included in the bankruptcy. 

This incorrect report is causing me problems and they will not correct it. The other two credit reporting companies do not have this same negative comments. I seems Experian made this up because I have a bankruptcy.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> sat ISSUE accessing online banking. NO support staff. I was notified today by text of possible fraudulent activity on my debit card. They told me to call # on the back of my card XXXX. They immediately closed blocked the card, and transferred me to customer service to have a card resent out. I was advised I would still be able to access my online account for transfers as I SPECIFICALLY asked. I had planned to XXXX  myself $ to my other acct. I am in the process of moving temporally due to hurricane damage and all the funds are in this bank were insurance $ for personal property damaged and moving relocating expenses. I have XXXX XXXX XXXX withdrawal pending and no way to access any fund for food, gas, NOTHING. I'm livid there is no support available for online and now no access to my funds. I have mover 's coming Sunday and no $ to pay them because of this mess. I was in my online account while on the phone with the representative. Once I hung up, the online timed out. I tried to sign back in and my password would not work. I tried repeatedly to access/reset the password as this left me with NO ACCESS TO ANY MONEY. I called back and they were CLOSED at XXXX. The message states sign in online and message us for 24 hour support. How? I tried over an hour to get another # to call fraud dept and found XXXX and it closed at XXXX it was XXXX. This appears to be a struggling bank and this is not the XXXX time I've noticed sub-par service. Fraud doesn't just happen during business hours and they should be prepared to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I recently checked my credit report and discovered that Credence has placed an item on my report that I was not previously aware of. At no point did I receive a written notice from Credence informing me of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( a ). This notice is critical because it would have outlined my rights to dispute the debt and request validation within 30 days of their initial contact. 

Additionally, the lack of notice has denied me the opportunity to properly address or dispute the debt before it was reported to the credit bureaus, which is a violation of my consumer rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Credence 's failure to notify me and provide me with the opportunity to dispute the debt prior to reporting it has caused unnecessary harm to my credit and financial well-being. 

I am requesting that Credence : Immediately provide full validation of the alleged debt, including any agreements or documentation tying me to the debt. 
Remove the entry from my credit report until proper validation is completed. 
Ensure full compliance with federal laws, including providing written notice and an opportunity to dispute any alleged debt in the future. 
This failure to notify me and respect my rights under federal laws has caused undue stress and harm, and I request the CFPB 's assistance in addressing and resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My debit card was fraudulently used from XX/XX/XXXX to XX/XX/XXXX. Upon discovering this, I immediately notified the bank on the same day and had the card deactivated. After filing a dispute, the bank approved and reimbursed nine transactions, but refused to compensate for another 23 transactions. The reason given by the bank was related to timeframe issue. However, among the reimbursed transactions, there was one from XX/XX/XXXX, while the non-reimbursed transactions include charges from as recent as XX/XX/XXXX. Most of these transactions were made with the same merchants. Those merchants billed different amounts each mouth during XX/XX/XXXX to XX/XX/XXXX on my debit card. Citi banks reason of timeframe was not acceptable. During the investigation, I had multiple phone conversations with the bank. The customer service representatives were often impatient, transferred my calls, or even hung up on me. Eventually, the bank requested that I submit a written report, which I believe was an attempt to make things difficult for me. The reimbursed amount was credited to my account, and I once visited a branch to withdraw the money. However, after the banks request, I returned the full amount for the transactions that had not yet been approved.

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 2024-12-07 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: NY

Complaint narrative:
I am writing to formally dispute the reporting and handling of account, as it contains several violations of my rights under federal law. Specifically, under 15 U.S.C. 1681 Section 602 of the Fair Credit Reporting Act ( FCRA ), I have the right to privacy, which has been violated by furnishing or sharing my account information without my express written consent. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish account information without my explicit written instructions, which I have not provided. Furthermore, per 15 U.S.C. 1681a paragraph ( 2 ) ( A ) ( i ), transactions improperly reported that do not meet consumer reporting standards should be excluded from my consumer report. Additionally, under 15 U.S.C. 1666b, a creditor may not treat payments on a credit card account under an open-end consumer credit plan as late for any purpose unless proper notice is mailed to the consumer at least 21 days before the due date. To my knowledge, I did not receive any such notice or statement. Lastly, 15 U.S.C. 1637b requires that creditors provide clear and timely disclosures of payment terms, which I did not receive in relation to this account. Based on these violations, I demand the immediate removal of all late payments associated with this account from my credit report, written confirmation that any improperly included transactions have been removed, and proof that all required notices and disclosures were properly sent.

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: MI

Complaint narrative:
Identity Theft Affidavit and Police Report filed for these accounts please delete immediately. My information was stolen online in a data breach and I have had my ID social security card and bank card and information breached. My information has been sold on the dark web more than 90 times. I have several fraudulent accounts addresses and phone numbers that were all over my credit reports please delete immediately. 
DNF Associates 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit company stated that I was late multiple times, but I have no record of ever missing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I made a large payment toward my student loans ( over {$7000.00} ) to my services, MOHELA. This payment has still not been posted to my account over a month and a half later. I called a few weeks ago and a representative said that it would take 30 business days for the payment to post to my account. The money was taken from my bank account the day that I put the payment into the portal and it still hasnt posted to my loan portal. My loan balance has not decreased at all on the portal either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ).

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly.

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately.

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA.

Please mail your response to my address listed above.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ).

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly.

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately.

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA.

Please mail your response to my address listed above.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-12-07 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:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. ( XXXX XXXX  ) ( XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX  ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( XXXXXXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. ( 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 2024-12-08 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: OK

Complaint narrative:
XX/XX/year>, I was looking at new phones on XXXX XXXX  and when I'm at the check out section there was an option to pay in full or finance. 

I clicked on finance to see more information and was led to third party bank website by www.synchrony.com, on this website it asked me to enter the last 4 numbers of my social security and phone number, WHICH I DID NOT ENTERED AND LEFT! 

a few minutes later I got emails saying that there was a credit hard inquiry on my experian from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an unauthorized credit check! no where did I allowed this, no I did not give out my social security number! 
I have tried to call the number above but it tells me to get support from their online website and I tried but it went no where, it's not easy to reach the right person! 

I request XXXX XXXX XXXX XXXX XXXX to fix this by contacting all the credit agencies that they pulled my information from and request that the bureau remove it from my 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