vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: OH

Complaint narrative:
These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX XXXXXX/XX/XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX {$250.00} XX/XX/XXXXXXXX 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 XXXX3

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These companies pulled my inquiries without my permission and it has negatively affected my credit scores and my chances of getting approved for loans.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I will keep on REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-30 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-30 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:
This is in regards to a business account with Sams Club. I made 2 payments on my Business Credit Card with Sams on XX/XX/2024 and XX/XX/2024 for the amount of {$50.00} each. The monthly payment for the month of XXXX was {$50.00}. Sams applied both payments to the XXXX payment when the 2nd payment should have been applied to the XXXX payment. This results in several chain of events happening : 1. An incorrect late payment was assessed to my account for the month of XXXX. 
2. Due to the incorrect late payment being assessed, Syncrony pulled the commercial credit report and made the decision reduce my credit limit from {$2500.00} down to {$1000.00}. 

I have tried to correct this matter with Sams on XX/XX/2024 and have the payments applied correctly. They stated there was nothing they could do.

As a consumer, I have a right to have my payments applied how I need them applied. The credit card company does not have the right to post extra funds how they choose.

Sams received their XXXX payment in a timely manner. Any extra funds should be applied per my instructions.

I requested the amount be applied correctly, the late fee be removed and amount account be restored to its original status but Sams informed be there was nothing they could do to correct this matter. 

I am requesting the CFPB to look into the billing practices of Sams Club Business and also the business practices of Syncrony with payment errors are made.

I appreciate any assistance in the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I submitted a complaint against Eastern account services collection since they did not follow proper procedures to contact me regarding an account of {$130.00}. the company 's response was that once they received confirmation payment was made they would request account to be deleted from credit bureaus. Later A representative emailed me saying they would not do that but report it as paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is making it next to impossible to unfreeze my credit. When you make an account online they force you to call them to make ANY changes. I called them to freeze my credit since I can not access my account online from any browser and they froze my credit 1 month ago. I called today ( XX/XX/year> ) so I can unfreeze my credit since their website is still unusable and now theyre saying they cant unfreeze my credit. I would have to mail my confidential documents to their address. If Im able to freeze my credit through the phone they should be able to unfreeze it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> calls from JP Morgan Chase were made to me everyday at XXXX. 

On XXXX XXXX XXXXXX/XX/year> I asked the caller from JP Morgan Chase to stop calling me and they replied with accusing of me of being irresponsible and ignorant and that we wouldnt be in this situation if the previous mentioned wasnt true. 

Please assist with this caller and their harassment towards me. 

Thank you in advance. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: ITALBANK INTERNATIONAL, INC.
State: AZ

Complaint narrative:
The bank in concern is Italbank. On XXXX XX/XX/XXXX I have to inform my bank for permission to use my saving account debit card between XXXX to XX/XX/XXXX. And for the limit of {$200.00} per day ( every XXXX ) to be change an increase to $ XXXX to be use in Arizona. 

I only use my debit card on the same ATM machine that it is located at XXXX XXXX XXXX  my sister house in AZ. And a screen shot of my transaction can prove that. On multiple occasions I tried to use my debit card before the XXXX period, and the transaction were cancelled. I have emails in were Italbank state very clearly that I am not allowed to take more than {$500.00} per day. 

On XX/XX/XXXX I noticed that i have XXXX transactions made with my debit card ( all in cash ) on different states in XXXX although my card was still with me. All the transaction were made in less than XXXX hr, and in XXXX  between them. But the first one was done for only XXXX XXXX, even XXXX / XXXX XXXX or any legitimate bank transaction is made today with XXXX XXXX  or XXXX $ to avoid being confused and set as " scamming ''. 

I am adjunting the transactions : XX/XX/XXXX amount XXXX time : XXXX in XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XXXX ask to my bank for prove of pictures of the transactions and how the limit was bridge, multiple transaction was done for the same amount, and nothing was done to stop the scammers. The bank did ask me to do my own investigation, sent the formal complaint with them ( which i send on XX/XX/XXXX ). The bank did close my case without any complete investigation by them and now they don't respond to my concern that my money was robbed and all their " alerts '' did fail to stop it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Kikoff Inc.
State: NY

Complaint narrative:
They have asked me to provided documentation and when i asked what documentation they stated they could not tell me due to everyones account is different ave there reporting to my credit bureaus late payments when i have no knowledge of this account. Its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-30 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-30 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: VA

Complaint narrative:
Dear XXXX XXXX XXXXXXXX XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Oth

er Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
I inquired information regarding auto insurance rates from XXXX in XXXX. A new vehicle was purchased. I was covered by XXXX. An over the phone agent out of Texas stated that he could give me a better rate. I informed him of what I had, and that I didn't want to change anything. Well, he lied about what they could offer to get the sale. When I received a copy of the processed policy, the coverage was different. I noticed that the agent or someone for XXXX reduced the coverage to give me a lower price. 

I was furious! I tried calling and I couldn't reach the agent. Finally, I reached someone, and she told me she cancelled the policy. Well, that didn't work. I received a bill. I called around again. An agent in Louisiana named XXXX XXXX assured me it was cancelled this time. I provided him with the information, and he stated that he cancelled everything and there was no balance. He apologized. Once again that didn't work. 

After a whole year passes, I get hit with a collection debt on my credit report. I was able to find an email with the last conversation with XXXX XXXX, but he retired. I called XXXX. I went back and forth with them. This is ridiculous. The agent was purposely deceitful. This is not how you do business.!! Lying to people over the phone to make a sale!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: CBC Companies, Inc.
State: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-08-30 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief