vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I did not authorize the following inquiries that are reporting on my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 2024-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I previously filed Complaint ID : XXXX against Synchrony Bank XXXX Since that time, they have committed another seemingly unethical practice. 

I am submitting a follow-up complaint regarding Synchrony Banks recurring issues with their payment allocation and autopay processes, which I believe are deceptive and designed to generate deferred interest charges. 

After successfully paying off the first promotion balance in full prior to its end date to avoid retroactive interest ( see prior complaint ), I carefully calculated the minimum payment necessary to pay off my second promotion balance in full before the promotional period ends in XX/XX/XXXX. Based on this, I set up autopay to deduct {$60.00} per month from my checking account. 

On XX/XX/XXXX, Synchrony Bank 's online account details explicitly stated : Autopay of {$60.00} will occur in 7 days. I have a screen capture to prove this. However, on XX/XX/XXXX, only {$30.00} was deducted from my checking account instead of the {$60.00} I had scheduled. Synchrony Bank 's online portal confirms this deduction of {$30.00}. 

By failing to deduct the full {$60.00} amount I had scheduled, Synchrony Bank is jeopardizing my ability to pay off the promotion in full before its end date. This underpayment, if left unresolved, would result in retroactive interest charges on the deferred balancecharges I am actively trying to avoid. 

It is also important to note that Synchrony Bank sent me an email stating that they had adjusted my autopay amount to {$30.00}, despite my explicit action to set the autopay deduction at {$60.00}. This is not only misleading but raises serious concerns about Synchrony Banks autopay functionality and its transparency with customers. 

In my strong opinion, this is not a simple oversight. Synchrony Banks autopay system appears to be manipulated in a way that undermines customers ' efforts to avoid retroactive interest. Their failure to follow customer-directed payment schedules is both unethical and financially damaging. 

Given my prior experience documented in Complaint ID XXXX, I believe this incident reflects a pattern of behavior by Synchrony Bank to exploit 0 % promotional financing terms. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Synchrony Banks autopay processes, as well as their intentional underpayment practices that result in deferred interest charges for customers attempting to meet promotional deadlines. 

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 explanation
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I am seeking your assistance with a false account appearing on my credit report. This matter has harmed my reputation as a customer, and I need your support. I want these accounts removed as they are incorrectly and negatively reported.

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 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I attempted to dispute this with XXXX, XXXX, and XXXX, but all three rejected the dispute. Since we are currently in litigation with this company, this should never have been added to my credit report. Their actions are not only unethical but also illegal, and its having a significant negative impact on me. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.

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 2024-12-17 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: MD

Complaint narrative:
These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.

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 2024-12-17 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 2024-12-17 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I submitted a fraud claim with Wells Fargo after noticing two unauthorized transactions when reviewing my account online. 

First Transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} Second Transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00}. 

These were reported to Wells Fargo immediately. While they investigated the claim, they issued a new debit card and my pin was changed. 

They denied this claim and did not offer me any reimbursement for the amount that was withdrew, including the ATM fees. 

The debit card was in my possession the entire time, I have other transactions throughout these days using that card to prove this. I never visited the ATM that is listed with these charges. 

I filed a police report with XXXX Police Department, Report Number : XXXX. I provided this report number to Wells Fargo and did not receive a response to that or my follow up emails to XXXX. I also have not heard back from XXXX Police Department after receiving the police report on XX/XX/XXXXXXXX 

My hope is that between Wells Fargo, XXXX Police Department, and CFPB somebody can access the camera to this ATM to prove that this is not me. 

After XXXX years as a member of Wells Fargo XXXX I am very frustrated and disappointed with this experience, and after this money has been stolen from me and the Wells Fargo denial I closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: WA

Complaint narrative:
I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Attempted to collections to remove from my account, but my CDR account number keep changing. CDR is now stating I have TWO open accounts, but only one shows up on my credit report. I have initiated over $ 1K in payments, but CDR states I have only made {$440.00}. I was denied access for viewing statements and applying payments, I am now unable to make payments online. I am being told I have to make payments with a representative, but they are not emailing statements with a balance.

Numerous emails have been sent to CDR asking for statements showing received and applied payments, but they have failed to provide any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have been invested into different Cryptocurrencies through a United States based exchanged called Coinbase. I have used this exchange for the last 4-6 years. I have bought Crypto, sold Crypto, converted, and sent Crypto from Coinbase over the last 4-6 years.

Recently, in the past 4-6 months, my account has been locked from buying/depositing/selling/sending/ or withdrawing.

When I go to the website to seek on learning why my account has been locked, Coinbase says that they need to review my account. After many attempts on learning of the review process, Coinbase finally got back to me and said " We have completed your account review, and buy/deposit/sell/send/withdraw services remain XXXX at this time . You are still able to receive any cryptocurrency you currently have on Coinbase. '' This has happened 3 times over the past 4-6 months. 

It's the same revolving " solution '' as there is no true solution. 

So, now I have money on that account with no way to withdraw the money and be done with the account. 

Coinbase has not offered any solutions on how to fix this. I only get an email to try reviewing the account in 30 days. 

I need help to get my money off of this horrible exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-17 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: FL

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: NY

Complaint narrative:
This is regarding previous complaint XXXX. On XX/XX/2024 Lexis Nexis responded to the above listed complaint claiming that they contacted me on XX/XX/2024 about my previous complaint on XX/XX/2024 demanding I provide more personal identifying information like my Social Security Number, Date of Birth, state license and more.. Lexis Nexis Responded through the CFPB claiming that I did not provide a response. This was a complete lie and this company is clearly attempting to deceive the CFPB and me the consumer in order to cause unessecary delay and hardships to me. Instead of correcting the false, incomplete and unverifiable information Lexis Nexis prefers to deceive and misrepresent. Attached is their response to the previous complaint, an email sent to them containing all the requested information to process my dispute, a phone log of me being on the phone with them for over half an hour were I provided all the information requested only to be disregarded by their agent XXXX and being hung up. This proves that I did in fact provide the requested information ( even though it is a complete invasion of my privacy ) and being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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 writing to formally dispute and request the removal of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and these accounts were opened or inquiries made without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit file. 
Please find below the detailed list of unauthorized accounts and inquiries : Accounts : XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$710.00} Inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block 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 credit card opened at XXXX XXXX on XX/XX/year> under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account 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