vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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: SC

Complaint narrative:
I paid off my account in the full amount of {$1600.00} on XXXX  2024. Two months later they said I missed a payment and have hit my credit score. Ive called, emailed and mailed letters with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate XXXX XXXX entry that has appeared on my credit report. As a diligent consumer, it is imperative for me to ensure the accuracy of my credit history. To facilitate a thorough investigation into this matter, I kindly request access to the LexisNexis report associated with my credit file. Having access to this comprehensive report will enable me to provide additional evidence and context necessary for resolving this dispute effectively. I understand the importance of accuracy and reliability in credit reporting, and I am committed to working collaboratively with you to rectify this discrepancy promptly. I can not afford Postal what is why I am asking help from CFPB. Please send within 3-5 business days to my email :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Innacurate information On credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year>, I scheduled a payment to Synchrony Bank for payment of my XXXX XXXX XXXX credit card. The payment was scheduled through my banks bill pay system, like I have done for about a year now. The payment is due on the XXXX  of each month. I discovered a few days after the due date that my payment had not been credited to my account, and I was charged a late fee. I contacted my bank first to make sure there wasnt a problem there. Then I contacted Synchrony concerning the issue. They claimed they had not received the payment even as of then. This was around the middle of the month. They opened an investigation ticket, and I sent them proof from my back that the payment had indeed been made. Eventually they found the payment and it was credited to my account along with a refund of all fees. I made my XXXX and XXXX payment without issue. I scheduled my XXXX payment to be delivered electronically on XX/XX/XXXX. Here again, the payment never got credited to my account. As of today, they still claim they dont know where my payment is. They opened another ticket and I sent the proof of payment in the same format as the last time. This time I actually called them, spoke to XXXX different agents in customer service, and called their dispute department as well after obtaining that number from the XXXX XXXX agent ( who was a supervisor of another supervisor I spoke to as well ). I have no idea of what is going on because apparently they dont know either. This is now beyond an annoyance, and I feel like something is wrong in their payment department. I also got the impression that Im not the only one having this issue. It seems to me that maybe they have found a way to charge late fees by claiming the payments are late.

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 2024-07-08 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid with PayPal to buy a camera. The seller received the payment but did NOT send me the camera. I disputed with PayPal, dispute case # XXXX XXXX 
After I also disputed with XXXX  XXXX XXXX, PayPal refused to further investigate to refund my money. PayPal refused to take responsibility to protect customers using PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: MI

Complaint narrative:
There was a XXXX XXXX  XXXX credit account opened XX/XX/XXXX opened in my name and was charged off XX/XX/XXXX. I have never opened a credit card through XXXX XXXX  XXXX XXXX , this is fraud. I have filed a police report with my local police station

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 2024-07-08 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: VA

Complaint narrative:
XX/XX/XXXX Credit Karma XXXX XXXX XXXX account hacked into. Hackers transferred {$2000.00} from my XXXX account to my XXXX  Account. Hackers spent {$2000.00} using my hacked virtual debit card issued my Credit Karma Money at a XXXX XXXX in XXXXXXXX XXXX XXXX online. I noticed only XX/XX/XXXX when I logged into my account. Phone number also had been changed to an XXXX XXXX  area code number ( Im in XXXX, XXXX  ). Fraud dispute issued with Credit Karma Money, their bank and XXXX. Store called and alerted by myself. Credit Karma associate hanging up on me and refusing to assist. One told me I most likely am XXXX XXXX XXXX XXXX With?!? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
During XX/XX/XXXX, I was vacationing in XXXX XXXX, XXXX and was approached by solicitors while visiting an outdoor mall after lunch. They offered a {$300.00} gift card if we went to a meeting to market the XXXX time shares. We did and we ended up signing a contract and they opened up a XXXX XXXX XXXX Account when using the XXXX time share only, not for other general purchases. I sold the XXXX time share during XX/XX/XXXX. Please see attached settlement statement. See letter dated XX/XX/XXXX from XXXX XXXX XXXX Account # XXXX. 

I discovered that because this account # was connected to the XXXX time share, the XXXX XXXX XXXX Account closed also without my knowledge. I discovered that the account was closed on XX/XX/XXXX, a year later when I was trying to log in to online payment account. After calling Comenity Capital Bank, as the bank that issues the XXXX XXXX Credit Card Account, I was sent correspondence dated XX/XX/XXXX with a new account number XXXX, XXXX months later without my authorization or knowledge. I believe Comenity should've included a payoff when we closed on XX/XX/XXXX but somehow missed the opportunity during closing. The proceeds would've paid the debt at that time. Please see the attached. 

I do not believe that I am responsible to pay on a different account that was opened without my knowledge or authorization. The XXXX XXXX credit card should've been included in the settlement statement and the account number ending in XXXX was opened up in my name with authorization and without my knowledge. This poor business practice, poor advertising and marketing has now put the account in collection. I sent letter asking why this happened and Comenity has never responded to any of my correspondence. Thank you for your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-07-08 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:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2024-07-08 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: UT

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX, XXXX  XXXX # XXXX, XXXX  : # XXXX ******, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report in XXXX of XXXX, and noticed some things are incomplete and not accurate. I disputed the accuracy of these accounts several times and Experian has shown me no proof of validation. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

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 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a notification about my credit score change. I checked XXXX that displayed a debt in collections for {$190.00} from Sunrise Credit Services. I called Sunrise Credit and spoke to XXXX XXXX who was very rude. He advised me that the debt is from XXXX. I advised SCS that I never received anything regarding this bill. He stated that he text me and emailed me but admitted that they did not send out any written notification. I asked SCS what email address and telephone number that they used. Both the email address and telephone number ( a landline ) was incorrect. He stated that they did not send out a written notification although he stated the CORRECT address. 

I discontinued XXXX services in XXXX of 2023 due to it being expensive. I paid the balance of my bill via the phone which included a discontinue fee due to my contract was not over for another few months. I never received any additional bill from XXXX nor any written notification from SCS.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-07-08 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: RI

Complaint narrative:
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  The following hard inquiries are unauthorized. These accounts are frivolous and I need them removed from my consumer report. FCRA section 604 states that " A person shall not use or obtain a consumer report for any purpose unless " the consumer report '' is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ) '' and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer reporting agency under false pretenses.

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 2024-07-08 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: NJ

Complaint narrative:
Recently I've sent a dispute letter to Experian regarding inaccurate information and accounts thats reporting to my consumer report. They are reporting that I live at multiple addresses when in reality I only have one address which is on my ID. They responded that the accounts were verified but never provided me any documentation that verifies them. The proper documentation should include signed agreements, contracts, receipts, etc. I received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Experian. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a Venmo account with money within it that can not be withdrawn. 
They've informed me that in order to withdraw the money I need to verify my identity with a photo-idwhich I have done so over a dozen times now. They immediately send me an email upon receiving my identification photos that they aren't able to read it even though they are incredibly clear and easy to read. I've retaken the photo many times and used different documentation like a passport and a drivers license in clear lighting. 

I've emailed them and they simply said to resubmit the identification and then nothing changed.

Company response to consumer: Closed with non-monetary relief