vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I HAVE NOT REQUESTED THIS TO BE VALIDATED OR VERIFIED. THIS IS ABOUT THE VIolations of the FCRA My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments ACCOUNT : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I HAVE NOT REQUESTED THIS TO BE VALIDATED OR VERIFIED. THIS IS ABOUT THE VIolations of the FCRA My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments ACCOUNT : 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 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I requested proof from the company and it was not provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> I decided to try Chime Deals. This is the cash back portion of the banking app. I clicked that I was in XXXX XXXX. I bought what I needed to get. The transaction went through, but the cash back was never deposited into my account. This was very upsetting to me. I could have used UP for the cash back instead, but wanted to give this feature a try. Never again. It's been over XXXX months of dealing with customer service and telling me they are escalating my problem to never have it be resolved. At this point it's the principle of the matter. If a company offers a service on their app and then does not deliver, that is stealing. That is why I am reporting them to Consumer Finance. They should not be able to keep giving customers the run around and lie to them. If the cash back part of the app does not work, they need to admit it's buggy. I have screenshots and emails confirming that I am owed this cash back and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit report act whenever consumer report agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates I sent a letter asking them to reinvestigate those accounts listed below XXXX XXXX XXXX XX/XX/year> open date is not reported correctly date last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XXXXXX/XX/year> open date is not reported correctly date of last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XXXXXX/XX/year> open date is not recorded correct date last active of last payment is not correct this account is not accurate

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 2024-08-18 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: OneMain Finance Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with OneMain Financial Group, LLC regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Given the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX of XXXX, Care Credit card by Synchrony Bank was approved for XXXX. Account always in good standing. Due to another creditors unlawful derogatory reporting, without my consent, Synchrony Bank has reduced my credit limit to XXXX which is discrimination. Just last week the credit limit was reduced to XXXX When I asked for increase XX/XX/XXXX, I was denied.

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 2024-08-18 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: NJ

Complaint narrative:
the accuracy of the pay status information being reported on my credit report in connection with my XXXX Credit Card account. The account in question is closed, yet there have been highly unusual changes to the pay status, which I believe are inaccurate and misleading, creditors are required to send periodic billing statements under :15 USC 1637 ( b ), Lack of Proper Notice and Disclosures : The details of the account are as follows and Inconsistent : Account Type : Credit Card Account Holder : XXXX XXXX Status : Closed Issue : Inconsistent and Inaccurate Pay Status Reporting on Closed Account Creditor : XXXX It is highly irregular for the pay status on a closed account to undergo changes after the account has been closed. Once an account is closed, the pay status should remain consistent with the final payment made or the status at the time of closure. However, I have noticed that the pay status on this closed XXXX account has been modified or updated, which is not only unusual but also detrimental to the accuracy of my credit report. 

XXXXnconsistent Pay Status Reporting : The pay status has inexplicably changed on my TransUnion, XXXX, and XXXX credit reports, which does not reflect my actual payment history or account status at the time the account was closed 2. Impact on Creditworthiness : These changes are misleading and negatively affect my creditworthiness by suggesting ongoing or recent issues with an account that was already closed and settled. This inaccurate reporting could adversely impact my ability to obtain credit or other financial services. 

Requested Action : I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate pay status associated with this closed XXXX account. Please provide me with the results of your investigation, including any supporting documentation that was used to verify the information. If the accuracy of the information can not be confirmed, I request that this account 's pay status be updated to reflect its accurate and final status at the time of closure. 

This letter serves as a formal complaint under the Fair Credit Reporting Act ( FCRA ). I expect a prompt and thorough investigation, as well as a timely response within the statutory period allowed under the FCRA.

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 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit report act whenever consumer report agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates I sent a letter asking them to reinvestigate those accounts listed below XXXX XXXX XXXX XX/XX/year> open date is not reported correctly date last active of last payment is not correct this account is not accurate XXXX  XXXX XXXX  XX/XX/year> open date is not reported correctly date of last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XX/XX/year> open date is not recorded correct date last active of last payment is not correct this account is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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/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 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
This account was open over 10 years ago. Sent buyer bought the debt and moved the dates to recently so they can report it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-08-18 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: GA

Complaint narrative:
Upon reviewing my credit report I have found several inaccuracies. I discovered late payments on accounts for which I have always maintained timely payments. Consumer Reporting Agencies have a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account for XXXX XXXX : XXXX XXXX XXXX, Account Number ( XXXX ) I am requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments found. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Dates of lates payments do not match on credit report from reporting agencies.

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 2024-08-18 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:
Upon reviewing my credit report I have found several inaccuracies. I discovered late payments on accounts for which I have always maintained timely payments. Consumer Reporting Agencies have a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account for XXXX XXXX : XXXX XXXX XXXX, Account Number ( XXXX ) I am requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments found. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Dates of lates payments do not match on credit report from reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX, XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Given the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds 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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At some point between my XXXX and XX/XX/year> statements, Wells Fargo disabled my autopay and did not notify me, resulting in my account being past due and charging me a late 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 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This building the XXXX had a lawsuit that they had to reimburse me over XXXX dollars they charged for 2 months rent after I moved out because they said I didnt tell them far enough in advance that I was moving. Even though my lease was up and I didnt resign. I was included in a class action suit that they were overcharging their tenants

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
The company is called Syncom out of XXXX, TX I never heard the company and I receive a text message this morning from this debt company about a bet from dentist office. The same verbiage was sent to my mother via text message as well. I am not aware of the debt in question nor have I received any written correspondence about this debt. The fact of the matter they contacted me on Sunday when their offices are closed and contacted my mother baffles me and is harassment happen around XXXX XXXX  and again at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This is for a closed insurance policy. They are trying to collect a debt from the original company XXXX  insurance. They bought the debt from this company and increased the amount that is owed. I asked them to provide written paperwork stating that I owed them this money or I had a contract with them and they did not provide that

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