vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Issue with XXXX XXXX XXXX for Apple Card/Goldman Sachs To Whom It May Concern , My name is XXXX XXXX XXXX and I am in the process of applying for business credit. Unfortunately, Ive encountered an issue with XXXX, as they have not updated my credit file regarding the Apple Card/Goldman Sachs since XX/XX/XXXX of this year. 

I reached out to XXXX, and they confirmed that they have not received the necessary reporting from Apple Card/Goldman Sachs . I then contacted Apple Card/Goldman Sachs and was informed that they have been aware of this issue since early XXXX. However, when I requested a timeline for resolution, I was not provided with a clear timeline or any guarantee of resolution. 

This is particularly concerning, as their reporting inaccuracies could adversely impact my ability to secure business credit, which would affect me personally and my family. The other XXXX credit bureaus are showing accurate information. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I asked Transunion to investigate and remove Incorrect negative information being reported to my credit profile. They delayed the process as much as possible before i realized they hadn't actually performed the investigative efforts required by federal consumer laws. their negligence is aiding in my financial hardships and causing me much stress and XXXX Thus the reason i have filed this complaint.

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 2024-12-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Date of Birth : XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. The fraudulent, inaccurate, and false information consists of the following accounts 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 Date open XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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. To support my claim 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 explanation
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NH

Complaint narrative:
on XX/XX/XXXX, CAINE & WEINER company put {$110.00} on my credit report as a collection. XXXX XXXX XXXX XXXX also put {$2700.00} on my credit report as a collection on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX put {$3900.00} on my credit report as a collection on XX/XX/XXXX, all of them mistakenly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX. I thought I was making a legitimate purchase for a XXXX XXXX. The website https : XXXXXXXX Seemed legit, they sent me a contract, had me sign it. And everything was a scam. I found out from XXXX reviews they have scammed others. They provided me a fake tracking number for the kitten to be transported from out of state. 

I was instructed by the merchant to use XXXX and to send it by family and friends. XXXX refuses to refund my {$870.00}, my bank capital one who I disputed already 3 times wont refund my money and I sent every bit of proof that this was a scam. And they refuse to give me my money back And even if I did use XXXX to make the payment. The payment in my opinion should have been flagged because it was such a large amount to be spent. So no fraud protection was present.

My rights as a consumer I feel have been violated. And I will be leaving capital one bank if I do not get this resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
Collection Agency CREDIT & COLLECTIONS SERVI Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00} Amount {$1000.00} Status Date XX/XX/XXXX Status UNPAID Comments IP Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact CREDIT & COLLECTIONS SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX XXXX Date Reported : XX/XX/XXXX Date Reported : XX/XX/XXXX Collection Agency CREDIT & COLLECTIONS SERVI XXXX XXXX Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$620.00} Amount {$620.00} Status Date XX/XX/XXXX Status UNPAID Comments XXXX Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact CREDIT & COLLECTIONS SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Last summer in XXXX I was approved {$11000.00} credit card with Care Credit/Synchrany Bank . I was informed that Id have 1 year to pay the amount approved before interest would start accruing. I was never informed of a deferred interest rate and if I was it was never explained to me that was a large amount. On XX/XX/XXXX an amount of {$3400.00} was added to my account which caused my monthly payment to increase significantly over what Im able to afford each month. Due to unexpected expenses I was unable to pay the loan off in one year and I tried explaining this to several account managers. There were a few times I wasnt very pleasant with them over the phone because they kept repeating the same information as if they were reading from a script explaining that I was informed at the time of the loan application and each month on my monthly statements ( that Im not even able to access ) and I told them this several times. I also requested a hardship program but I was denied while they closed my account claiming it was per my 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 2024-12-27 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:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
This is a deprivation of my rights and a violation of my privacy, as well. 
This is a violation of 15 U.S. Code1681g ( a ) ( 5 ), 15 U.S. Code 1681b ( 2 ), and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit inquiries listed without my expressed written consent. 
XXXX XXXX XXXX XXXX {$200.00} XXXX ) XXXX XXXX {$180.00} XXXX ) XXXX XXXX {$1000.00} XXXX ) XXXX XXXX {$230.00} XXXX ) XXXX XXXX {$150.00} XXXX ) XXXX XXXX {$640.00} XXXX ) XXXX  {$370.00} XXXX ) XXXX  XXXX XXXX {$940.00} XXXX ) XXXX XXXX {$3000.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$410.00} The only name that should exist is XXXX XXXX XXXX The only address that should exist is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach and, as a result, my personal and financial information has been compromised. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX. XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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 am writing to inform you that I have been a victim of a data breach and, as a result, my personal and financial information has been compromised. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX ( XXXX ) Branch they have violated every right open an account with branch. XXXX did not give me an option to add my own banking to the account they used my information to open an account with branch and then I get a email that a breach has happened with branch and my information has been exposed now my social and address is out and hacked.

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 2024-12-28 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/year> I received a phone call from TD Bank regarding suspicious transactions on my credit card. While on the phone with TD Bank, I reviewed my Credit and Debit Card activity and saw 3 transactions that I did not make. The first was on XX/XX/year> at XXXX on my credit card ending in XXXX for {$310.00}. The second was on XX/XX/year> at XXXX on my Credit Card ending in XXXX in the amount of {$630.00}. This totaled {$950.00} in total charges that I was aware of at the time and reported to TD Bank as fraud. 

TD Bank canceled my credit card and started a dispute claim for these transactions XXXX, which was denied. We went to the local branch in XXXX XXXX, MA and refiled the claim XXXX, which was denied. We requested information on how this decision was made and requested documentation. The only information provided was the merchant 's phone number ( XXXX ). At no time did TD Bank and / or their credit card vendor supply myself and the joint account holder, XXXX XXXX any further information. Through the phone number given, WE were able to track down the business, which is located at XXXX XXXX XXXX, XXXX, MA at the XXXX XXXX XXXX. I went to this business and requested documentation and was provided two receipts having 3 transactions. In addition, to the two credit card transactions, there was a third associated with my debit card ending in XXXX. 

On XX/XX/year> we filed a police report with the XXXX Police in XXXX, MA to file a credit card fraud report. Once we received a copy of the police report we then refiled another appeal, XXXX, which was denied again. 

We went to the XXXX branch for advice on the matter and XXXX TD Bank branch recommended that we go back to XXXX XXXX and file another appeal. We went back to XXXX XXXX and spoke with employee XXXX and the branch manager and requested them to contact their credit card vendor as request further information as we believed that we provided the receipts and police report. TD Bank still refused to provide any documentation on how they continued to denied the dispute claims. We then filed another dispute for the credit card transactions XXXX, which was denied and one for the debit card transaction on XX/XX/year> at XXXX, XXXX, which remains open as XX/XX/year>. 

I maintain that I never entered the merchant 's place of business until we were able to determine the merchant 's place of business through our own investigation and not the help of TD Bank 's. This was to obtain the receipts to assist in the investigation that TD Bank failed to do when researching our claim dispute. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm writing to address an issue with my credit report from Experian, which contains inaccurate information. Several incorrect addresses are listed, but the correct address should be " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' Additionally, there is another name incorrectly listed as " XXXX XXXX '' when it should be " XXXX XXXX '' only. Furthermore, my employer is shown as " XXXX, '' but my actual employer is " XXXX XXXX XXXX. '' This inaccurate information is causing unnecessary confusion and negatively impacting my credit. Please remove the incorrect personal information immediately, as it violates 15 USC 1681c ( a ) ( 4 ), which requires the exclusion of inaccurate data, and the maximum possible accuracy standard under 15 USC 1681e ( b ). I request that these errors be corrected promptly to ensure compliance with these legal standards and restore the accuracy of 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 non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
For a few months there has been credit cards opened without my consent from Chase XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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