vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Account Request for Validation and Chain of Assignment Contract Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, This letter serves as a formal dispute regarding the accuracy and validity of the information you are reporting about the above-referenced account on my credit report. This dispute is made pursuant to my rights under federal consumer protection laws, including but not limited to : * 15 U.S.C. 1692g ( Debt Validation ) : Requires the furnishing party to provide validation of the alleged debt when requested. * 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Prohibits furnishing inaccurate or incomplete information to the credit reporting agencies. * 15 U.S.C. 1681b ( Permissible Purposes ) : Restricts the access and use of my credit information unless a permissible purpose exists. As the alleged debt is being reported to your bureau, I demand : 1. Validation of the Debt : Provide full and complete validation of this debt, including the original contract or agreement bearing my signature. 2. Chain of Assignment Contract : Furnish the complete chain of assignment contract to establish the lawful ownership and reporting rights of this account. Failure to provide this documentation will constitute a violation of my rights under the aforementioned laws. If this debt is being reported without proper validation or authority, it will be considered a case of identity theft, as defined under federal law, and I will demand its immediate removal from my credit report. If you are unable to validate this account or provide evidence of permissible reporting, you are required by law to promptly delete this inaccurate or unverifiable information from my credit file under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). Please note that failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. I expect a written response to this dispute, including any documentation you rely upon, within the 30-day period mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-03 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-03 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: NJ

Complaint narrative:
Subject : XXXX XXXX Synchrony Bank and XXXX XXXX Regarding Defective XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank and XXXX XXXX & XXXX regarding a defective KitchenAid French Door refrigerator, which I purchased on XX/XX/XXXX, using a Synchrony Bank credit account. The refrigerator was delivered on XX/XX/XXXX, and I have been experiencing several functional and safety issues since day XXXX. Despite multiple attempts to resolve the matter, the issues remain unresolved. 

Details of the Complaint Product Issues : The top shelf of the refrigerator freezes liquids and damages soda cans. 
The bottom deli drawer can not close fully despite adjusting the fridge. 
The shelves have sharp edges, causing injury during adjustment. 
Increasing the fridge temperature to prevent freezing causes spoilage of produce and deli items. 
Attempts to Resolve the Issue : XX/XX/XXXX : Contacted XXXX XXXX to report the issues and requested a return or replacement. Salesperson " XXXX '' referred me to a manager and scheduled a tech repair. XXXX assured me the fridge would be replaced if it couldnt be repaired. 
XX/XX/XXXX : A second tech visit was arranged by corporate, but the technician was unable to resolve the issues and had to consult the manufacturer. The problems with the deli drawer and freezing liquids persist. 
XX/XX/XXXX : Another technician attempted repairs but failed to fix the refrigerator. 
Impact I paid over {$3000.00} for this refrigerator and have endured significant inconvenience and safety concerns : Reduced storage capacity due to the unusable space. 
Safety hazards from sharp edges on the shelves. 
Food spoilage and inability to trust the refrigerator to store perishable items. 
Desired Resolution I am requesting a full refund or a replacement refrigerator that functions as intended. I have exhausted all reasonable efforts to resolve this matter directly with XXXX XXXX and Synchrony Bank, but they have failed to address the issue adequately. 

Please let me know if further documentation or information is required. 

Thank you for your attention to this matter.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy and validity of certain items listed on my credit report under the Fair Credit Reporting Act ( FCRA ). I believe these entries are inaccurate or invalid, and I request that you reinvestigate and remove these items promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy and validity of certain items listed on my credit report under the Fair Credit Reporting Act ( FCRA ). I believe these entries are inaccurate or invalid, and I request that you reinvestigate and remove these items promptly.

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 2025-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Activehours
State: OH

Complaint narrative:
My employer direct deposited {$1200.00} into a deposit acount with XXXX XXXX  XXXX XXXX ( routing and account number obtained through Activehours , Inc. Dba Earnin ). Earnin credited my account with {$210.00} labeled as the direct deposit from my employer and posted a XXXX adjustment. Historically there is a direct deposit wich is automatically transferred to my linked XXXX XXXX account. I have no money to cover automatic payments put of my XXXX  XXXX account for my utilities, communication bills, and rent. I have made several attempts to communicate with them through their online support chat by email and by phone. I sent a support message to evolve bank and trust as well as active hours inc ( earnin ). I have received no reply except for an automated message that says that they are aware of a delay in direct deposits because of an external vendor. There was no delay. The deposit was made this morning on time, but it was for an incorrect amount, much less than my payroll. I am incurring return. Check fees for all of my bills, which will financially cripple me this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX placed derogatory information on my credit report when they had frozen my checking 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX placed derogatory information on my credit report when they had frozen my checking account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXXXXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received am response from them, please help me immediately delete these accounts. Here I add the FTC repor hoping that you make a better decision in my situation, thank you

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , XXXXXXXX XXXX XXXXXXXX agency as well as XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX  XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX, AND XX/XX/XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-03 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: IL

Complaint narrative:
I am victim of identity theft due to equifax data breach and these accounts were opened fraudulently. 
XXXXXXXX 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 2025-01-03 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: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion changed my credit score down by XXXX points. The reason for this appears to be about credit inquiries. The feedback they provide through a website is that I had 3 inquiries in a 6 month period. When I click into the site to see what the inquiries are, there were 3 inquiries made on a single date ( XX/XX/2024 ), which is directly related to the purchase of a XXXX XXXX XXXX XXXX for my business. I approved a single dealership in colorado to pull my credit, which apparently pulled for 3 financial institutions. One of which eventually produced the loan. THe policy that transunion posts online is that if the same kind of inquiry is made multiple times within a 14 day period, they will count this as a single inquiry. But the website hosted by transunion ( or provided information from transunion ) is counting this as 3 inquiries and these are the only inquiries listed against my account. I tried filing a dispute but they don't allow you to dispute this online. I tried chatting through the transunion website and they referred me to a transunion call center. The first agent did not seem to understand the issue and simply offered to send me my report. So to be clear, I am complaining about the calculation process transunion is conducting. They are counting 3 inquiries incorrectly. And they calculate my total credit to used credit balance incorrectly because they don't include credit from all my credit cards.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2024, someone tried to deposit a check in my account by logging into online account. They deposited a check for {$4900.00}, but it was eventually refused. 

On XX/XX/2024, they attempted to do the same with a check for {$3700.00}. This one ( at least temporarily ) was accepted by the Wells Fargo online mobile deposit.

Afterwards, 2 payments were made by XXXX from my bank account. The first on the same day for {$200.00}. Another the following day ( XX/XX/2024 ) for {$1600.00}. 

After a few more days, the bank realized the check was fake, and reversed the deposit of {$3700.00}, leaving me to have a negative balance of about {$1800.00}.

I went to the local branch to dispute this, but the bank said since it was done by my online account, then it must've been done by me personally and therefore I was responsible for the balance on my account and the fraudulent charges.

I am attaching a copy of the check and my ID, showing the signatures do not match up.

It is unfair that they won't even entertain any of my complaints and actually investigate this matter.

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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NY

Complaint narrative:
Account information disputed by consumer, meets FCRA requirements This Account says open in XXXX and its a third party doesn't let you know anything does not have my consent at all. 
Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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