vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agency block all of the accounts, collections and identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email. I have been a victim of Data Breach with bureaus. 

DEPT EDUCATION -OPENED XX/XX/XXXX, BALANCE {$1400.00XXXX XXXX XXXX XXXXOPENED XX/XX/XXXX, BALANCE {$190.00} XXXX XXXX -OPENED XX/XX/XXXX, BALANCE {$260.00} XXXXOPENED XX/XX/XXXX, BALANCE {$4400.00} XXXX XXXX OPENED XX/XX/XXXX, BALANCE {$7700.00} XXXX XXXXOPENED XX/XX/XXXX, BALANCE {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
When I opened these accounts, Chime checking and Chime savings, I was told id receive no charges.After approx 3 months, I went into my accounts to go over my monthly statements. Each Account had the same statement for 3 months. I immediately called and ended up almost losing it with their customer service. They had no logical reason why my statements weren't showing each accounts trans actions. It's only gotten worse since then, the only reason why I haven't closed my accounts is because I want my money back!!! On the statements that were there have monthly deductions for my XXXX XXXX Account that i knew nothing about. Thats when the lies became nonstop. Trying to make me believe the deductions werent really deductions. The real crazy thing I figured out was the total of their monthly deductions was equal to my colleges last rant deposit!!! Then when I finally got my montly statements, there were so many unauthorized transactions. I called and filed a claim. This is when their actions make it a justifiable lawsuit. They actually changed the amounts, the trnsactions of my disputes to the {$5.00} atm charges. And then they denied each dispute saying these charges are liable. I've never in my life experienced such blatant illegal actions with my money and not even attempting to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This letter is a reply to your letter in response to my letter that you mailed I disputed the alleged debt that RESURGENT CAPITAL SERVICES is attempting to collect I additionally requested verification of the alleged Debt pursuant to be my right under the ( FDCPA ) I am within my rights of a verification request under the ( FDCPA ) .I requested a copy of a signed contract with XXXX XXXX XXXX and RESURGENT CAPITAL SERVICES I also requested that you cease and desist all collection activities including credit reporting agencies. I request that RESURGENT CAPITAL SERVICES delete any and all reporting made to all consumer credit reporting agencies if is being reported. 
You have clearly failed to address my very specific legal request and are clearly violation of the ( FDCPA ) ( A ) License to be able to collect in the state of Texas You failed to obtain and send verification of the alleged debt by not mailing me a signed contact or agreement signed by all parties involved including as requested also the following ( B ) chain of custody for alleged debt ( C ) purchased agreement ( D ) method of verification ( E ) A description of procedure ( F ) statute of limitation Under the ( FDCPA ) it is unfair or uncomfortable to attend to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.

Also my personal information was released without my consent or knowledge to a third party ( RESURGENT CAPITAL SERVICES ) you failed to cease and desist delete Under the ( FDCPA ) it is false deceptive or misleading representation or means in connection with the collection of my debt to communicate to any persons or consumer credit reporting agencies credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was making payment as usual but then I have lost my job last year in XXXX, the company that provided the credit line is synchrony bank the company is XXXX, the lender charged off my account and write off the total balance and never send me form 1099C as I requested and on XX/XX/XXXX after a month of they charged off my account, they filed a sue trying to collect this debt. I believe they are braking collection laws since they reported the account as a loss and they need to provide 1099C so I report to IRS as income. I am attaching all the documents pertaining on my credit file and the court citation. Thanks so much for helping, and please respond to see what laws they are braking so I can use them as my defense. Thank you very much. 

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 explanation
Consumer complaint received 2024-12-13 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: AR

Complaint narrative:
The hard inquiries on my credit report were made without my consent, violating 15 USC 16c-2. Please take action to remove these inaccuracies immediately.

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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Account was closed without my knowledge and left with a balance

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 2024-12-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Account was closed without my knowledge and left with a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account was closed without my knowledge and left with a balance

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 2024-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
While trying to see how much XXXX XXXX XXXX of {$500.00} would be, and clicking continue from step XXXX to step XXXX, it said congratulations, your loan will be deposited by the next business day! And I was like wait, what am I even paying?! And after getting the deposit the next business day and still needing the emergency cash, I waited to see the fees and it was {$87.00} on {$500.00}! Every XXXX weeks they are going to charge me this apparently. Im pretty sure those a.p.r.s are illegal in california! I dont even think they are licensed to do business in California either!

Company response to consumer: Untimely response
Consumer complaint received 2024-12-13 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: NV

Complaint narrative:
I am sending to notify you that the following companies have made unauthorized inquiries into my credit report. The companies and the corresponding inquiry dates are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am complaining about Bank of America. I made a payment of {$520.00} for my Bank of America Credit Card XXXX XXXX on XX/XX/XXXX. However Bank of America at the same time charged me a late fee. It doesn't make sense to me that I made a payment on XX/XX/XXXX and Bank of America simultaneously charges me a {$10.00} late fee. That is unacceptable. 

For this card, I received no notification on when the payment is due and no emails on payment is due. 

Second I already scheduled a payment and it was completed without any issues. So I should not be charged a late fee. 

Third, I am unable to setup autopay. With autopay I have never missed a single payment.

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 2024-12-13 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: KY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have the responsibility to report Consumer information to the best of their ability and with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX ACCOUNT NUMBER XXXX. Please investigate and provide bank account statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated on a timely basis as they should be as I have NEVER been late. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-12-13 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.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I noticed several accounts on my credit report that appear to be added without my knowledge. Please take steps to block and remove these fraudulent entries.

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 2024-12-13 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: NY

Complaint narrative:
My review of my credit report revealed accounts that I believe were added improperly. I request these accounts be blocked and removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605 ( 15 U.S.C. 1681 c-2 ) that you, the Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent activity is regarding of a personal loan opened at XXXX, on XX/XX/year>. 
This information is not information or transactions I approved to be reported to my consumer report and violated several federal laws. In addition, violation XXXX XXXX. XXXX ( d ) ( XXXX ) by way of reporting experiences and transactions within my consumer report. Also, my previous disputes are violation of XXXX XXXX. XXXX ( XXXX ), which the investigation has always included factual information on my consumer report obtained directly from the creditors of the consumer ( me ). 
These accounts do not have my permissible purpose in pursuant of XXXX XXXX. XXXX to furnish the information they are reporting, yet they are selling to third parties, which is identity theft and fraud by using the identifying information of another person ( me ). I have attached a copy FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX XX/XX/year> XXXX party ( XXXX ) host refuses to give XXXX XXXX ( XXXX ) name of morse code account approval.

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 2024-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
XX/XX/year>XXXX XXXX  stated i owed them XXXX dollars for and old bill which is in accurate.Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy policy 15 USC 1681b 2. They also have no permission to report anything using my info to 15 USC 1681 4.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation