vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Complaint Regarding Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to file a formal complaint under the provisions of the Fair Credit Reporting Act ( FCRA ) regarding the inclusion of two erroneous accounts on my credit report, which directly contravenes my federally protected consumer rights to privacy and confidentiality as outlined in 15 U.S.C. 1681. 

The following accounts have been inaccurately listed on my credit report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX These entries directly violate the FCRA in several key aspects : 15 U.S.C 1681 section 602 A : This section explicitly guarantees my right to privacy, which has been infringed upon by the inclusion of unauthorized accounts on my credit report. 

15 U.S.C 1681 section 604 A, Section 2 : This provision stipulates that a consumer reporting agency can not furnish an account without my written instruction. I have neither provided consent nor authorized the inclusion of these accounts on my credit report. 

15 U.S.C. 1681c : This section prohibits consumer reporting agencies from including any adverse information, except for certain exceptions such as records of convictions of crimes which antedate the report by more than seven years. The inclusion of the aforementioned accounts is in direct violation of this provision. 

15 U.S.C. 1681s-2 : This section mandates that information furnished to consumer reporting agencies must be accurate, and any entity reporting information must not do so if they know or have reasonable cause to believe that the information is inaccurate. The inclusion of these erroneous accounts demonstrates a failure to comply with this requirement. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/2024 I stopped at Shell XXXX XXXX to fill-up as I normally do ( at the same XXXX XXXX ), for over a year and the purchase was declined by shell XXXX XXXXXXXX Credit Card. I called the so called customer service number on back of the card and spoke with someone who could not speak XXXX too well, and ( what I could understand ), the rep said that I needed to respond to a communication I will receive in mail. I asked to speak to a rep I could understand to no avail and I asked why was the card declined to begin with, and I received no answer. The account is current and has never been late with payments and had a substantial amount of credit available to use. The rep sent me a text, so I received the text and she said tell her the code in the text, I did that and she said I would receive something in the mail to fill out and fax it back... But, I still don't have any explanation as to why my shell credit card was declined, no letter, no nothing. Also, when trying to login to my shell account online, it won't allow me to it doesn't recognize my ID or Password. So I tried to re-register my card and after entering the card number, it says that account doesn't exist ... So, I don't know whats going on with my shell account ... ... even though it is current and up todate ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I write to urgently request your assistance in addressing a critical issue affecting my financial well-being. Upon reviewing my credit report, I discovered fraudulent accounts that are severely impacting my ability to access essential credit facilities. 
These inaccuracies threaten my financial stability and peace of mind. I implore the CFPB to swiftly intervene and ensure the removal of these erroneous entries to restore fairness and accuracy to my credit report. Your timely action is crucial in rectifying this injustice and safeguarding consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: FL

Complaint narrative:
Fraud Jeffersons Capital Systems reported on my credit report I have no business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up my previous dispute about fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter. 

I hereby declare that I did not authorize any of the aforementioned accounts, transactions, or inquiries. This constitutes identity theft, and I request that you promptly investigate this matter, remove the inaccurate information from my Credit report. I urge you to conduct a thorough investigation into the fraudulent activity on my credit report and take immediate action to remove the unauthorized accounts and transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: OH

Complaint narrative:
Please removed inaccurate and incorrect unauthorized hard inquiries TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX The following names needs to be removed as they are inaccurate and incorrect Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX The following XXXX current addresses XXXX needs to be removed as it is inaccurate andincorrect XXXX XXXX XXXX XXXX XXXX, OH XXXX The following " previous addresses '' needs to be removed as it is inaccurate and incorrectTransunion XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX following " employer '' needs to beremoved as it is inaccurate and incorrect XXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2024-05-08 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: PA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One closed my account and have still have {$15000.00} USD in cash being withheld from me. I have asked to have the money sent to my external account or bankwired to me or the check sent to me but they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
National credit systems are reporting a collection on my credit report, they are not licensed in the state of Arkansas. So therefore they can not properly validate the debt. I have asked to have this item removed several times with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
UNAUTHORIZED INQUIRIES ON CREDIT REPORT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony has sent a letter stating they will begin charging a fee for paper statements. It is my belief that they are doing this to pass on the expense of providing responsible billing to the consumer, and hoping that we all shift to eStatements. In my experience, eStatements are unreliable as websites frequently experience errors and also eStatement availability notices can get filtered to junk mail causing missed payments, additional interest, and additional fees. I would like this paper statement fee not applied to my account, I believe it is not a justifiable fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I identified information on my credit report that is a result of identity theft and not transactions completed by me. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
Over the past years ALL three bureaus ( Experian, XXXX and XXXX ) have played yoyo with my life line ( my credit score ). XXXX I was faced with a serious dilemna and cash was stolen. I had to file bankruptcy and cleared.Even at that time my payments were not dilinquent. These XXXX posted I had SERIOUS DILINQUENCES! I searched my credit reports and did NOT find ANY. XXXX posted XXXX long before this public notice and could not and did not prove I was EVER late! I paid off the vehicle and even after I never saw a result for that dispute ( years later they Happily financed a small balance on a XXXX  I paid off early, AGAIN ). Now, back to the post bankruptcy they deducted tons and tons of points and it still did NOT completely ruin me. Why? I have NEVER, NEVER been late or missed a payment, even up to charge-offs. The bureaus still and to this day are deducting XXXX or more for frivilous idiotic reasons to keep my score low. For example, For XXXX Experian deducted XXXX points and XXXX and XXXX XXXX for credit card increase. My credit cards total a whopping {$14000.00} available credit ( XXXX cards ) I bought some extra items and foods on XXXX that just now totaled {$970.00} together and the XXXX card has a XXXXMy payments continue to be un-missed and on time as it has been for years. My my credit score moves up to high XXXX 's they fabricate a lie ( XXXX ) to decrease my score. I have spoken with other people having the same or similiar difficulties. When I contcated these people ( when you can reach them ) they pull some idiotic mess out the air to get rid of you by saying oh we use other data but, can NEVER show what that data or metric is and you have NOTHINGa wrong. This is my life they play with unitl they want to pedal some mess I don't want or NEED. 
They have published inconsistiences and when I return to copy the emails or texts... they are GONE. I ordered a credit report before this complaint and I see NO delinquent accounts .XXXX XXXXever. Nor late payments nor derrogatory info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone impersonating me opened a credit card with Chase bank. This happened around XX/XX/XXXX. Somewhere around XX/XX/XXXX, Chase alerted me of potential malicious activity. We discovered the card was opened without my knowledge. The card was closed soon thereafter. Chase Charged Off the account balance of {$9800.00}. This is showing up on my credit report and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Amazon Synchrony has no fraud protection in place. This virtual card was used without my consent and I was not informed for months until they sent a paper statement. They removed XXXX bad charge but refused to remove the other. For XXXX years they continue to add fees and interest onto this frauduent charge. The issue is, they let a virtual car dbe used without a XXXX step authentication, and without having a user input a XXXX digit security code that would be on the back of a credit card. 

I have been asking for over a month via email ( to '' OfficeofthePresident ( Synchrony Financial ) '' XXXX, and XXXX, ) To give me a reply on at what point does their company do a " charge off ''? Their customer service department mentioned this to me but did not have the answer. i want to know when they will Charge Off the balance they made on my account?

And also, when can I expect this to be fixed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: SC

Complaint narrative:
I have had a XXXX account since XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on XXXX, I simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: SC

Complaint narrative:
I have had a XXXX account XXXX XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on XXXX, I simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have had a XXXX account XXXX XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on XXXX, I simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You

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