vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide the names and business addresses of everyone you checked the information with so I may follow up. 
The date on which you contacted each information source. 
the method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or date of birth. 

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report. 

Thank you for your time and help with this.

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 2024-11-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MI

Complaint narrative:
I have been requesting Beyond Finance to finalize negotiations with XXXX XXXX for almost a year. There is more than enough money in my dedicated account with Beyond Finance to pay off the debt, but they are not. When I reach out to them I am told over and over again that they will 'Escalate this concern ', but nothing ever happens. Each time I contact them to see when the last correspondence was between them and XXXX XXXX, they tell me nothing has been done since XXXX. And that XXXX XXXX made an offer but Beyond Finance thinks they can get it lowered but that's the last time they have tried. I turned them into XXXX XXXX XXXX XXXX and was contacted by someone in management. They told me that they would 'Escalate this concern '. That was three weeks ago. It is beyond acceptable at this point that Beyond Finance is not paying off this last debt as they agreed to do. It's now become that essentially Beyond Finance is holding onto money that isn't theirs and they need to be using it to pay off this last debt resolution and giving the rest back to me, if there is any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
This company was notified before it was one years olds to be rerequested with my insurance company for payment I followed back up with them the following month to find that they have not requested the payment from my insurance company now they are telling me its to late for them to request the money from the insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
Dear Equifax, This letter serves as my fifth round of communication regarding inaccuracies on my credit report, specifically concerning the reporting of a XXXX XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information, and I am compelled to reiterate my concerns regarding this matter. 

Re-Aging of Charge-Off Account/Updated payment history on a closed account.

I have observed that a charge-off account has been reported for four years. This extended period misleads potential creditors by suggesting the account is more recent than it is. Under 15 U.S.C. 1681c, negative information must be removed from my credit report after seven years from the date of initial delinquency. This misrepresentation negatively impacts my creditworthiness and violates my rights under the FCRA. The account SHOULD read ND or no data after XX/XX/XXXX through current Incomplete and Incorrect Payment History The payment history for this account is also inaccurate. It displays nearly two years with no positive payment information, then abruptly indicates 30, 60, and 90-day late payments. This incomplete information fails to provide an accurate assessment of my payment behavior and does not comply with the accuracy and completeness standards outlined in Section 609 ( e ) of the FCRA. The account should have positive payment history from XX/XX/XXXX through XX/XX/XXXX I must emphasize that under the FCRA, any new payment history on a closed account is illegal. The case of XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), confirms that reporting information inaccurately can lead to liability. 

Given the inaccuracies detailed above, I request a thorough investigation into my dispute. Please verify the legitimacy of the charge-off account and correct the payment history to accurately reflect my credit activity. 

If these discrepancies are not addressed promptly, I will have no choice but to pursue legal action under the FCRA. I expect to be notified of the results of your investigation within the timeframe required by the FCRA. Additionally, I request a copy of my updated credit report reflecting these corrections. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-04 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: FL

Complaint narrative:
XXXX 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 2024-11-04 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX {$75.00} XXXX {$310.00} I have tried to redeem my reward points towards my statement balance at first the amount I redeemed gets decreased from my bill then right after they charge me the same amount that I tried to redeem. 

I have reached out to Synchrony Bank multiple times spoke to different agents as well as supervisors and they were no help at all it took me days to explain to them the issue until they finally realized what happened and then I filed a dispute which they investigated and declined my request. 

there are more incidents before these dates above but these are the ones that caught my attention and how I found out they have been doing this to me all this time

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 2024-11-04 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I filed a dispute with Fifth Third Bank regarding a {$710.00} purchase of event tickets through XXXX. The tickets turned out to be invalid at the event, and the vendor provided no assistance when I contacted them for a resolution. Fifth Third Bank provisionally credited my account while they reviewed the dispute. However, on XX/XX/year>, the bank denied my claim, reversed the provisional credit, and sent out a written notice of the denial and reversalall on the same day. 

According to the Electronic Fund Transfer Act ( XXXX ), Fifth Third Bank is required to provide sufficient advance notice before reversing provisional credits in dispute cases. By issuing the reversal notice and removing the credit on the same day, Fifth Third Bank did not give me adequate time to prepare for the reversal, as required under the XXXX and XXXX XXXX I am requesting assistance from the CFPB in ensuring Fifth Third Bank adheres to their obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I asked to opt out from Goldman Sachs bank and told them they were not authorized to report my private consumer info but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
So I have cash app and they out of no where closed my account I used it at the gas station was fine then I get a text saying they have closed my account for violating the terms of service which how when I havent done anything but use it like your supposed to I have my direct deposit from my job go on there and it is a service for sending and receiving money from family or friends thats all I have done nothing wrong I have had this cash app account for years and have always done the same thing on it no one will give me any kind of answer as to what I did and when you call the number for customer support they dont tell you nothing but Ill transfer the matter to someone that can help them I was told that that department only communication is email but wont give me the email to chat with them directly so I still have no clue what I did I have read all the terms and I dont see anything I then tried to take my money out that was still in my savings which was only {$50.00} dollars but still it was mine I transferred it to cash bal went to withdraw it and cash app took all but XXXX dollars like where is my money I didnt owe nothing my account was current so why when I went to cash it out it was all there and by the time I hit the withdrawal button it was gone they took my money for no reason and no one will answer my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting a security freeze on my credit report due to concerns about identity theft. Recently, I became aware that my personal information may have been compromised, and I want to prevent unauthorized parties from accessing or using my credit information.

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 2024-11-04 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: NV

Complaint narrative:
To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide the names and business addresses of everyone you checked the information with so I may follow up.

The date on which you contacted each information source.

the method of communication used to verify the information.

I also want to know if the furnisher provided you with my SSN, address, or date of birth.

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank is currently reporting TWO 30-day lates on my credit. I have never been late with them. The issue arose from when I was getting a loan around XX/XX/year>. 

The new loan was required me to pay off some accounts through escrow. I wanted to just pay them off myself, but I spoke to Synchrony and to my lender and to escrow and I was informed that escrow needed to pay them off otherwise it would cause too much confusion. I informed everyone involved that I was fine with that, but I did not want to have an issue with my credit. 

Now Synchrony is reporting TWO 30 day lates on my credit. I have contacted them several times over the last 6 months. They keep promising they will get it taken care of, but they never do. This is my last attempt to get this fixed before I get an attorney involved. This is very much a violation of the FCRA and I will not stop until this incorrect information is corrected.

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 2024-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I want these inquiries deleted because i have no knowledge and nI didnt authorize these companies to run my credit and that is fraudulent they are not connected open accounts or negative and closed. 
Ive made several attempts to reach out to creditors about the disputes that was successful but has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
DUE TO XXXX THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-11-04 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: I.C. System, Inc.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I want these inquiries deleted because i have no knowledge and nI didnt authorize these companies to run my credit and that is fraudulent they are not connected open accounts or negative and closed. 
Ive made several attempts to reach out to creditors about the disputes that was successful but has yet to be removed.

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 2024-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I went to check my account because I needed to handle some business and needed to get some money from my account. Upon trying to sign in to my banking app I get a message saying that my account is closed and to contact member services. When I spoke to someone in member services they tell me on XX/XX/year> my account was closed due to me not complying with the direct deposit agreement. I said what exactly did I not comply with in the agreement. They tell me that's the only thing they can tell me I have emails they sent to me with their reasons and also was told to look at the ammendment and cancellation on the link on the Chime website. I did but could not find a valid reason as to why my account was closed and in the ammendment and cancellation it says i able to be refunded my remaining balance but i guess since they stole my money its saying i dont have a remaining balance. I called them more than 4 times on XXXX, 2024 and it seems to be script there reading from, no one can tell me anything. I checked my email and the only reason they gave was about a direct deposit agreement but on another email about my credit builder is totally different it says something about legal or law enforcement request and no explaination.So I had them to send me my recent bank statements, and it clearly shows they stole my money from account and gave me bogus reason as to why. I called back on XXXX, 2024 again and it's the same response. It's a nightmare it may not be much to them but I work hard for my money and saved that money for my kids.

Company response to consumer: Closed with explanation