vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
AND ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCONNT # 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 A. SECTION 2 : IT ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX  ACCOUNT 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 non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
AND ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCONNT # 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 A. SECTION 2 : IT ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Experian has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX states i have had a card since XXXX  but the information only reflects XXXX XXXX XXXX  Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX/ bureaus illegally restarted removal timeline after settlement

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This debt is not mine. I have tried to resolve this issue without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Since 2009 Sallie Mae and Navient have put me in forbearance plans that have extended my private loans terms with very high interest rates I owed way more than I borrow my private student loans have not been forgiven because Sallie Mae and Navient put me in forbearance before I would default on my loans now there telling me I dont qualify for forgiveness as the most months I miss in payments was 4 months thats because they would put me in forbearance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This debt is not mine. I have tried to resolve this issue without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
This is not my debt. I've tried to resolve this with the company without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: NV

Complaint narrative:
I have been an Amazon credit card holder through Synchrony Bank for several years with a credit line of {$10000.00}. Account # XXXX and I have attempted to work with Synchrony 's customer service department ( XXXX ) XXXX on six different occasions since XX/XX/2022, to resolve a refund due in the amount of {$240.00} for a product returned to the seller. 

Despite providing Synchrony with proof of the return and an email from the seller acknowledging receipt of the returned product, Synchrony continues to drag its feet by not providing the refund or issuing a temporary credit to my account while they review my claim.

In frustration, and not wanting to jeopardize my credit score, I have paid my account in full and would request your team 's support in holding Synchrony accountable for not adhering to the required steps involving a credit card dispute. 

The product was returned to the seller on XX/XX/2022, via XXXX tracking # XXXX ( defective ), as well as the secondary replacement product on XX/XX/2022, via XXXX Tracking # XXXX and delivered to the seller 's dock door on XX/XX/2022, and signed for by XXXX. 

Order # XXXX XXXX XXXX $ {$240.00} email from the seller and provided to Synchrony - " Thank you for confirming that the return shipment was sent back. Amazon should have processed your refund automatically when you returned the replacement, and Im not sure why they havent processed the refund. We will have Amazon process your refund back to your account now, and they will send you a confirmation once its been processed. Please let us know if you need anything else, and sorry for the inconvenience ''.

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 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK

Complaint narrative:
Regarding Community Loan Servicing Our mortgage was to be paid in full in XXXX, XXXX, however, at that time, we were told that we had one late payment ( untrue because we were set up on auto pay ) and no other explanation but we still owed {$6600.00}. We sent {$2100.00} in XXXX, XXXX but it was returned because we did not have a pay plan in place. We called to set up a pay plan of {$630.00} per month and started paying {$700.00} per month starting in XXXX and the payments were in a holding account and not being applied.. Our last payment was made on XX/XX/XXXX. XXXX ( husband ) tried calling on XX/XX/XXXX to make a payment. He was on the phone for about XXXX hours. The first person told him that the payment was {$280.00} but wasn't sure after looking at our account. He was transferred to another person who stated we owed {$140.00} but still wasn't sure and then was transferred to a XXXX. Our regular XXXX who XXXX had spoken to in XXXX was not available. He spoke with XXXX XXXX and XXXX stated that our account was paid in full and not payment was due, I ( XXXX, wife ) then logged on to our account and yes, it showed our account was paid in full I think. We do not know where we stand at this time. XXXX has called without success and I have emailed XXXX different email addresses trying to get this figured out. I even got a read receipt from one email but still no contact and no solution. I am enclosing documents and I hope you can make better since of it than I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX Account Number XXXX has violated my rights. 

XXXX XXXX XXXX Acct Number XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX  ) Account Number XXXX has violated my rights. 


XXXX XXXX XXXX Account Number XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX has violated my rights. 


15 USC 1681 Section 602 A States I have right to privacy.

15USC Section 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without written con
sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo is a service provided by PayPal , Inc. ( Venmo ) For many months I have made many attempts to cancel both my personal and business Venmo accounts and close them out definitely for good. Attempts have been made by online chat and countless times by email.

They of course store my name, my email, phone number, address, TAX ID and keep a copy of my ID and Business License and maintain the account open without my consent. 

They are without my authorization keeping my accounts open yet they repeatedly state, the accounts are " deactivated '' yet they store my information for their own convenience. Because my business and personal accounts are frozen and remain permanently restricted I can not stop them from spamming me with emails which I have repeatedly ask them to please stop. I am being ignored and I need this to stop. 

XX/XX/XXXX - Account Deactivated I have received countless spam emails in between the account deactivation and today. 

On XX/XX/XXXX I made attempts to cancel my account with no success. I asked them again in the past few days to close it. On XX/XX/XXXX they refused twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
XXXX XXXX  and XXXX  account is closed it is being reported as open as of around XXXXXXXX  i have disputed this with transunion and they refuse to fix it it has damaged my report tremendously XXXX  XXXX  report this as closed account as has been for over 6 almost 7 years

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I paid this collection to XXXX XXXX  on XXXX, XXXX. They sold this account after payment to SOUTHWEST. I've already mailed payment proof and receipt of payment received from XXXX XXXX  to SOUTHWEST, XXXX, and XXXX. This may represent fraud against me. The collection account still appears in my credit score. I'm in the process of closing on a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act Accounts with XXXX XXXX ( account # ending in XXXX Shows a late payment in XXXX of XXXX. Bloomingdales ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of XXXX. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Last year I purchased a vehicle from XXXX XXXX. I found a vehicle of my interest and selected a XXXX XXXX XXXX XXXX. I placed a {$8500.00} cash down payment up front. As I read over my document today XX/XX/XXXX I noticed that it says the total cost of your purchase on credit, including your down payment of {$8500.00} I did not pay with credit I payed with % XXXX cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the fair credit reporting act Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experiam sent me to you! They said apply my ticket number and wait for a call Report 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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 602 A.States i have the right to privacy.it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 602 A.States i have the right to privacy.it also states a consumer reporting agency can not furnish an 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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, 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:
Your offices have reported invalidated information to one or all of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative or adverse marks are such as ( late payments, collections, charge offs, inquiries etc ) are found on any of my credit reports by your company or any of the companies that you represent I will not hesitate in bringing legal action against you with the FTC as well as any other relevant government agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character copied from affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reached out to XXXX and Experian multiple times for multiple months via CERTIFIED MAIL regarding FRAUD ACCOUNTS and FRAUD INQUIRIES. They advised me to file an FTC report which I did. It has been months and no responses nor removals. Spoke to XXXX from the Attorney Generals Office and he is going to dig deeper to see why the reporting agencies are neglecting me and violating my 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 non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, on XX/XX/XXXX, submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after more than 1 year ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the EXPERIAN and XXXX report, I attached the file that included the addresses that I want to be remove, I am now, taking the extra step, because I really need these addresses off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank closed all of my accounts ( 2 checking and 1 savings account and 2 credit cards ) for no reason whatsoever. No one can tell me why. I had just received the bonus offer on one of my cards which I lost, and my husband who was in one of the accounts got his account closed as well. There have been no overdrafts, excess transfers, no suspicious activity except the fact that I sold a property which I had owned for 5 years to help with medical costs for my father who was just recently diagnosed with XXXX and has no medical insurance. I transferred them the money directly from bank to bank to XXXX. I made sure to go into the XXXX XXXX XXXX, had my XXXX  Passport and XXXX  License and the closing papers for the lot I sold. I Provided all documentation to verify it was a legal and valid transfer and XXXX weeks later all my accounts are closed. I am in my right to know the reason so I can provide the necessary documentation to avoid them falsely and under assumptions to just close accounts I've had for so many years and destroying my credit score in the process. I understand its their right to not want to reopen them or to close them but its also my right to clarify and provide the documentation to backup the transfer I made and avoid them blacklisting me or my husband from ever opening an account with them or any other banking institution. I tried contacting the fraud department at bank of america, account closing department and my local branch and no one can give me any information

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