vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mythe Huff & Murphy, PC
State: NC

Complaint narrative:
Attorney XXXX XXXX office located in Tennessee pulled my credit report without written or verbal authorization for unlawful purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX, XXXX on account Account numberXXXX sent me transaction History that adds up to a different balance to what they are reporting to my consumer report. The amount they sent on the transaction history shows that the balance added up equals XXXX and that was the amount paid to them but they are reporting a charge-off for XXXX. This company is supposed to report accurate and precise information to the consumer reporting agency which clearly they are not. They also re-aged this account the first charge-off report was in XX/XX/XXXX and now they updated the charge to XX/XX/XXXX. That is an FCRA violation I wanted this account deleted from my consumer report. Even though the loan dates are different they said the loan started from XX/XX/XXXX - XX/XX/XXXX and on my consumer report it shows the loan open date was XX/XX/XXXX. this company is FRAUD AND ALL INFORMATION THAT WAS SENT TO ME IS INACCURATEATTACHED BELOW IS THE DOCUMENT THEY SENT TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint against Synchrony Bank. Below is an explanation of what has been happening. 

I have a checking account with XXXX XXXX XXXX that was compromised and had to be closed. As a result, payments were returned from the closed account, and there was a lag in getting the payments re-submitted from my new checking account. 

Synchrony Bank, which controls a number of my store-based credit cards, closed ALL of my accounts, as a result of a returned payment for XXXX of them, XXXX XXXX XXXX XXXX XXXX XXXX ever contacting me. I got the first official notice of multiple account closures, by Synchrony Bank, via regular mail, over XXXX week after the accounts were closed. 

The bank, as per XXXX of its phone agents, went on the assumption that I, the account holder, was trying to engage in some type of fraudulent double-paying? scam. There was NO COMMUNICATION, to me, from the bank, until I received paper mail notifications, of each credit card account closure, to reiterate, OVER XXXX WEEK AFTER THE ACCOUNTS WERE CLOSED. 

This behavior, and the assumption that I was engaging in some sort of fraudulent activity, is particularly egregious because I have, in the past, almost always paid on time and in full. My XXXX XXXX, depending on which reporting service one uses, is between 750-800, and I should have been given, at the very least, an opportunity to discuss my situation with the bank, before they summarily closed ALL of my store credit cards that are controlled by Synchrony.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
1. On XX/XX/XXXX I attempted to cancel my extended warranty for a used vehicle I had just purchased. I purchased my vehicle through a dealership who also helped me secure financing. I had to submit a form to cancel the auto warranty. An agent of the dealership confirmed receipt of my warranty cancellation form on XXXX XXXX, XXXX and informed me it will take XXXX weeks for the warranty refund amount to be taken off the principal of the loan. 
2. On XXXX XXXX, XXXX I asked the same agent of the dealership to produce documentation of the warranty cancellation and " refund '' to my financing principal. They were either unwilling or unable to produce such documentation. 
3. On XXXX XXXX, XXXX I was informed {$2800.00} would be going to the lienholder and would be reflected on my next billing statement. 
4. On XXXX XXXX, XXXX No change was reflected on my auto loan statement showing {$2800.00} being sent back to the lienholder. 
5. On XXXX XXXX, XXXX I was informed by an agent of the auto dealership it would take XXXX billing cycles to apply to my account. 

Auto Dealer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Lienholder : Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-01-09 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: FL

Complaint narrative:
Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Transunion To Whom It XXXX Concern : According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$390.00} Please remove all non-account holding inquiries over 30 days old. 
Please add a XXXXXXXX XXXX to my credit file. 
Please remove all addresses not listed on my Driver License. 



Thank You, 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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 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: FL

Complaint narrative:
Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX  is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX, EXPERIAN has violated my federal consumer rights along with may reporting violations found due to inaccuracies and unverified accounts I have attcahed the letter from the bankruptcy court that they do not verify with third parties I HAVE INFORMED THEM OF THE IDENTITY THEFT however they aren't reporting it rights violated BLOCK Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ). 
I have attached letter from the XXXX bankruptcy court stating they do not verify with third parties like XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in XXXX  days or CFPB VIOLATION occurs. next issue inconsistencies in COURT NAME & REFERENCE NUMBER Reference # : XXXX XXXX Experian XXXX XXXX different names Court : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting violation found XXXX XXXX  XXXX XXXX Account # : XXXX DELETE unverified account FRAUD I did not file this complaint in error and please update my ADDRESS to whats on my GOVERNMENT ID you have all documents to proceed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I bank with chime also know as XXXX Bank. They have a pay anyone bank transfer system. And on the XXXX XXXX at XXXX I initiated a bank transfer to my niece XXXX XXXX, but the transfer never got to her somehow her phone number is connected to an account of a XXXX XXXX. At XXXX when I realised this mistake I contacted my bank and informed them of this fraudulent transaction. The banking representative asked me to provide a copy of my nieces bill showing that her phone number belongs to her and that it is not a prepaid phone number also a copy of the screenshot where I typed in her phone number and it showed her name in my contacts but the money still went to XXXX XXXX. I provided this information to the bank I also filed a police report and the bank denied my transaction saying no error occurred. this dispute was denied in less than XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and account # XXXX all under ( XXXX ) and XXXX charge off with no account number. all for has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On this date company opened a collection. 
Account # XXXX {$2400.00} that I owe I have never signed a written document saying that I owe this debt to collector. 

They are violating my rights as a FCRA as a consumer. 

I dont not know who they are no written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus.

Company response to consumer: Closed with explanation