vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2024, I filed a complaint regarding Synchrony Bank ( Complaint ID # XXXX XXXX ) with respect to this bank and their policy regarding e-statements. I would like this to be added to that complaint. ( I did not see a way to 'add ' to it. ) In an effort not to make this longer than it needs to be, I ask that you please refer to the complaint ID listed above for more information regarding the legalities I found re e-statements. Thank you in advance. ) I just received an email ( attached ) from Synchrony stating they have switched my paper statements to online e-statements. The email states if I want paper statements need to go online dn take action. I believe this is in violation as credit card companies can not make e-statements a default, nor cn they coerce or force a consumer to get e-statements. The manner in which a consumer get their statements is up to the consumer -- not the credit card company. 
Should you have any questions, please feel free to contact me. 
Thank you for any assistance you provide me. 
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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out numerous times to remove these inaccurate reports from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out numerous times to remove these inaccurate reports from 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 explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
Hello, As a consumer I am finding myself extremely worried that even after contacting both Brigit to stop charging & demote my membership to a free version- and to my bank, to stop payment to Brigit, that this predatory company would go to these lengths in order to drain money from my bank account. 

My last Valid membership fee charged by Brigit was on XX/XX/XXXX in the amount of {$9.00}. 

Because I no longer needed service and their membership provided no material benefits, I contacted their customer service chat to delete my account. The representative said that I could be lowered to a free version and begin membership if I would like to use the service again. 

Then on XX/XX/XXXX - I see XXXX charges made by Brigit to my checking account. XXXX for {$0.00} and the other for {$9.00}. 

Following these charges, I called my Bank to report that Brigit was still charging me even though I had canceled 2 months ago in XXXX when I had last used their service. My bank had placed a stop payment to Brigit. 

Attached is an email confirmation from my Bank, showing recurring payments to BRIGIT have been canceled as of XX/XX/XXXX. 

The next month in XX/XX/XXXX, I received an email from BRIGIT, alerting me that my bank account had been disconnected. 

However, on XX/XX/XXXX - BRIGIT charged my bank account once again for {$9.00}. After canceling service, stopping payment with my Bank, and having my account disconnected from their system - BRIGIT still found a way to keep on charging my account for a membership or a product or service that I am not using.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NJ

Complaint narrative:
I submitted this complaint to REMOVE this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-03-20 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: MD

Complaint narrative:
Back on XX/XX/2024 I look at my report and noticed somethings are incomplete or inaccurate and according to the credit reporting act when ever 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 to this account of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit union all three are not complete is not complete or accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I called to speak to Equifax due to me not able to get an update copy of my Credit Report and Credit Score. I was told to login on Equifax website to retreived the information. Upon log-in I informed the customer rep that the Social Security number on the file was not mine, A dispute was supposedly put in back no information was corrected at all. I got back pdf dispute saying it was verified and accurate which is false. I uploaded a copy of my W2 and 1099 Tax form showing my correct Social Security card to Equifax Dispute Center Confirmation number : XXXX. I will also attached with this complaint. This has been an ongoing nightmare with Equifax and I'm over it. The Customer Service rep are very rude and continues to violate my rights. According to [ 5 U.S.C. 522a note ] ( a ) ( 1 ) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his/her social security accound number. P.L. 93-579 Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: PA

Complaint narrative:
Trans Union has FAILED to conduct a reasonable investigation in XXXX  days. 

Trans Union is in clear violation of FCRA 611. 

I submitted my dispute via CFPB # XXXX on XX/XX/year> and Trans Union acknowledged receipt on XX/XX/year>. 
I received theresults on XX/XX/year> which is XXXX Days and this means all the accounts listed below should be DELETED immediately. 

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 

I would like to forego seeking legal representation and taking Trans Union to court but I will if I am forced to. 

Delete the accounts in accordance with the law that states you must delete if you fail to conduct a reasonable investigation in XXXX  days and notify a consumer within XXXX more days ( XXXX ). 

Unfortunately, Trans Union took XXXX  days which is a CLEAR VIOLATION of FCRA 611 ( a ) ( 1 ) ( A ).

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 2024-03-20 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: MS

Complaint narrative:
FIRST XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2024-03-20 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: CA

Complaint narrative:
I am writing to bring to your attention a serious issue regarding the accuracy of information on my credit report as provided by Equifax. Upon reviewing my credit report, I have discovered the presence of multiple inaccurately reported accounts, which have had a profoundly negative impact on my financial standing and overall creditworthiness. 

XXXX XXXX has the date last active different from the other XXXX bureaus. If the info comes from the same source how can they Be reported different? 

XXXX XXXX is being reported with the date last active different from the other XXXX bureaus. This cant be possible if the info is coming from the same source. 

XXXX XXXX XXXX XXXX  is reporting an inaccurate date last active. The other XXXX bureaus are reporting different dates so whos right. Both bureaus cant be right. 

XXXX XXXX is reporting date last active different then the other XXXX bureaus which again is inaccurate. How can XXXX be reporting different if the information comes from the same source. 

XXXX XXXX XXXX XXXX is reporting the date last active differently from the other XXXX bureaus, which has to be an accurate because they get the information from the same source. Theres XXXX different dates. 

XXXXCustomers date last active is different from the other XXXX bureaus so if the information is coming from the same source, how can they be reporting differently whos actually reporting correctly? 

XXXX XXXX is reporting date last active and accurately because its different from the other XXXX bureaus if the information is coming from the same source, theres no way it could be different. 

Equifax is reporting XXXX different accounts inaccurately, which is a violation on my rights I have attached screenshots of my credit report showing proof that every bureau is reporting different dates. Equifax claims to report accurate information, but clearly from the screenshots it shows the information being reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CCM Finance LLC
State: TX

Complaint narrative:
I purchased a vehicle on XXXX XXXX,2024 per my contract first payment due on XX/XX/year>2024 paid a large down payment. Car was repossessed on XXXXXXXX XXXX,2024 when calling customer service they advised that the car was repossessed due to insurance. When trying to get the car back they advised that I couldnt get the car back unless I refinanced or paid the account off in full. Director of operations XXXX advised that the bank would not cover my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: LA

Complaint narrative:
I applied for a loan as a means to assist with paying for a medical procedure. The loan was approved at over 35 % APR. as a military member in XXXX XXXX ordered to Louisiana, Louisiana has laws expanding SCRA protections for interest rates to be capped at 6 % no matter if that service member was already in XXXX XXXX at the time of opening that account. I relayed that information to XXXX and they are refusing to honor that law stating that they will not lower the interest rate since I was already in XXXX XXXX. I have been advised by XXXX XXXX XXXX  that it applies to loans that were previously taken out prior to orders to Louisiana and new loans that originate here. I am requesting they lower my APR to 6 % XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications.

These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion and XXXX has illegally reported wrong information on my credit report for years. It has impacted my ability to obtain credit. I was recently denied by XXXX XXXX, XXXX XXXX XXXX XXXX Ive disputed XXXX, XXXX, XXXX and Florida Child Support, along with all the unauthorized inquiries. TransUnion and XXXX told me to leave it on my credit and let it drop. Theyve cost me thousands upon thousands. They refuse to admit their mistakes and refuse to delete the information. I was told by a representative, that itll be okay. I wasnt notified of the lawsuit that XXXX and FTC have against TransUnion and XXXX. I wasnt provided any monetary compensation. My credit report and scores were affected by the TransUnion and XXXX breach.

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