vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime allowed an unauthorized transaction to debit my card after I got confirmation from them they blocked charges and no money has been taken out of my account. But the total opposite happened they allowed them the transaction and I still have t been refunded my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is a creditor I have never taken a loan out with. I filed a complaint about a year ago and no resolution was solved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All three parties were not involved in the process and things with the loan. Principal Debtor, Implied Surety, and creditor. My next step is to submit a Notice of exoneration, Bill of equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
This is my second notice of these inaccurate accounts on my credit report. I have requested documentation to fully verify these items but have not received anything. Per the FCRA, these invalidated accounts need to be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX my phone number is XXXX XXXX, in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( synchrony bank ) canceled my credit of XXXX and later was dropped to XXXX dollars. After this my account was canceled which affected my credit score. 
Now in XX/XX/year> JC Penny ( synchrony bank ) lowered my credit from XXXX to XXXX $ and this caused XXXX points to be taken from my credit score. I want to know why these companies are doing this. I have tried to speak with them and they give me no answer. I want you to check my payments history and I have not missed payments, for some time I have been trying to up my score but it keeps on being lowered by these companies for no reason. I manage my credit with XXXX XXXX and according to them closing my account is bad for my credit but I no longer want to continue using synchrony bank.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just recently looked at my XXXX credit report XX/XX/year>. I saw some hard Inquiries that did not have permissible purpose. I also attached evidence Cap One Na XX/XX/year> this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XX/XX/year> this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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 am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 2024-05-07 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX Cash App, I notice icons on my phone was moving without my assistance, I could see someone open the XXXX  store and download an app, then I saw cash App open and a request for XXXX that was sent to XXXX XXXX from XXXX XXXX . I tried to cut the phone off and couldn't. I think took my phone to the " XXXX '' store to have a diagnostic ran and was advised it appeared there could have been a virus, a hard reset was done and then I was advised to file a police report ( XXXX ) it was like someone was mirroring my phone. I immediately called Cash App and advise fraudulent activity appeared to be going on and was told they was unable to stop the transaction, I also called my bank which is XXXX the funds were still in my bank which is XXXX. I called Cash App about 15 times in a row to start a dispute, every time I called, I was told no dispute was started, they begin to cold transfer me, leave me on hold for extensive periods of time and often advised they would transfer me to their dispute department and hung-up, every time I asked for a manger I was told no. I was advised a 15-day investigation would take place and 30 minutes later received an email saying case denied, the lack of respect blew me away. I was treated as if I was the criminal, to think you have already been violated, money taken and no one to help you, that was actually all the money I had but Cash App could care less, I have had a Cash App account for years, however I seldom use it. The more I contacted them the more this became less about the money and more about the lack of respect as if there is no recourse. Someone provides you their financial information in good faith and you say too bad so sorry. This is my hard-earned money were talking about. I can tell Cash App has little repercussions for the lack of service they were completely comfortable with telling me anything and some point it appeared to be a game

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXEPT OF EDUCATIONXXXX 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 2024-05-07 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
I have unauthorized inquiries on 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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
This is my second notice of these inaccurate accounts on my credit report. I have requested documentation to fully verify these items but have not received anything. Per the FCRA, these invalidated accounts need to be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and buy a home. It is my understanding that the credit bureau will investigate this account for me to ensure accuracy. I am asking you to verify as accurate : ( acct name and number ) 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This account is being inaccurately reporting on my credit profile for some time now. This account was sold to a creditor by the name of XXXX XXXX XXXX XXXX XXXX in XXXX. I previously attempted to dispute the inaccuracies in XXXX of XXXX, XXXX of XXXX and XXXX. Instead of this account showing sold to a collector or charged off, it has continually been showing as an open account with late payments EVERY MONTH which has substantially affected my payment history and credit score across all 3 of my credit reports. As recent as XXXX this account is still showing as OPEN and LATE with a balance which is incorrect information. This account was settled and paid in full with the the above creditor that it was sold to and has a XXXX balance and has been CLOSED as of XX/XX/XXXX. I overpaid on my settlement amount and was sent a refund and letter of overpayment which I will attach with this complaint. This account was still being reported as OPEN and LATE after the closure date listed above. Also furthermore Per my agreement with credit acceptance and the arbitration clause any disputes that may arise from either party would be handled by an arbitration and not my a court. This clause was violated when a request and judgment was submitted to the court in XXXX of XXXX. I also had previously contacted the company for a voluntary repression and the vehicle was never picked up nor was I contacted back by the company advising of this. The mechanical issues with the vehicle were NOT covered by the extended warranty that I purchased NOR were they covered by the manufacturers warranty as the company previously stated in their complaint response. There have been many discrepancies and inaccuracies with this company and many of its consumers including myself.

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 2024-05-07 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed all the information that didnt belong to me and it has the wrong spelling of my name and address that does nto belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation
State: KY

Complaint narrative:
I contacted Card.com on XX/XX/year>. Shortly after the last purchase was made and I noticed the ongoing transactions. I reached out to the merchant to try to resolve it first and made sure they were aware I had not had an account with them in 2+ years but they were unwilling to find a resolution even though when I contacted them I provided my name and information and it didnt match the information on the account. They only based it off if the card was used around the location of the address associated with the account. 
I had been using tap to pay because its not uncommon for my kids to move my cards from where I usually put them and sometimes it takes me a minute to find them so that was what I assumed had happened and figured it would turn up. I realized that was apparently not what happened and I must have dropped it somewhere and not realized it when I looked and saw the charges. When I notified my bank of the fraud, I included all of this information. And they denied my claim. After the denial I called and requested the documentation used to to determine the outcome and was not provided with it. I have attached a copy of the denial I received. I shouldnt have to worry about whether or not my money is protected in the event that things like this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I assert firmly that it is unjust for me to shoulder responsibility for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
This is my second notice of these inaccurate accounts on my credit report. I have requested documentation to fully verify these items but have not received anything. Per the FCRA, these invalidated accounts need to be deleted 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 non-monetary relief