vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Opened credit card acct with retailer ( that has their accounting serviced by an outside bank ) to make a purchase that day which totalled {$220.00}. It is the only purchase ever made. Many months went by but I never received a credit card or bill. I did some research on-line. I made several attempts to set up the on-line acct process but was met with error msg after error msg. Finally I got it to go through. At that point, the acct was past due so I also owed a late fee of {$29.00}. I made the required payment of {$37.00} on XX/XX/21. The late fee was credited back to my acct. By the time I went on-line and discovered that my acct had not been set up properly, the next billing cycle was upon me. I received no bills prior to the XX/XX/21 bill. As a XXXX senior on a small fixed income, I was unable to make another payment so soon after paying the {$37.00}. I called in about the bill & the errors the clerk made ; I never received the store credit card and I hadn't been getting any bills. I explained all that happened due to this clerks errors, made the scheduled payment ( less the late fee ) and asked if the late fee of {$40.00} could be credited back to my acct since the errors and omissions were due to circumstances beyond my control. I was told it would be taken care of. The next month, the fee had not been credited so another later fee of {$40.00} was charged to my acct. I have been paying the scheduled payment on time every month ( less the {$40.00} late fee ). So, every month they charge my acct with another {$40.00} last fee... which are snowballing ( pyramiding ). This is exactly what's described in : FTC Act Reg. AA & 16 CFR section 444.4 ( a ). My total debt was just {$220.00}. I have paid {$220.00} to date. I realize I owe a reasonable amount in interest ; estimated at {$5.00} per month. They show the balance due on my acct is {$230.00} ( includes 5 months x {$40.00} late fee ). As stated, I called initially. Since then I have written every month when sending in my payment. I just sent a letter with an audit I did of the acct, It had to have been received before the bill I just received. I got no reply. And I am at the point where I am not willing to make any more payments.

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 2022-05-03 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
In 2018 I had my truck towed in to shop for repair ( XXXX XXXX ) during this time I lost my job and called credit acceptance to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and credit acceptance about this, however you can't talk to credit acceptance they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with credit acceptance... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....

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 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX # 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.

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 2022-05-03 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Since XX/XX/XXXX Equifax has reported incorrect information. I contacted them ( XXXX on XX/XX/XXXX and I was assured that the information on XXXX XXXX ( XXXX ) wasn't the correct score, but my score was higher in Equifax system and was told to check it there. After signing into my Equifax account the score was the same. Since XX/XX/XXXX I have made ( 2 ) payments and after checking today XX/XX/XXXX the score is still ( XXXX ). I spoke with XXXX and was transferred to XXXX XXXX XXXX XXXX @ XXXX. The CSR name was XXXX @ XXXX ; XXXX and the same statement was told to me that I heard on XX/XX/XXXX. I was put on hold and then the line hung up. Equifax has documented untruthful information and my account with XXXX XXXX, stating I had an increase on my account which was incorrect. It was documented by Equifax and XXXX and that I needed to contact my creditor which I did. I have never been late, always paid more, and paid 30 days in advance since the loan. Ally is currently doing an investigation into this. According to XXXX records I'm in good standing and they don't know where this information came from. XXXX and Equifax are reporting the same negative information. I've been 100 % on time with all my payments and pay more that what's due every month and to have a score of XXXX, I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Violated my rights on this date XX/XX/2022 They violated these laws : 15 USC 1692 ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

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 2022-05-03 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: GA

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 XXXX has violated my rights. 

XXXX OF XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CHECKING OR has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX 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 vears.

15 U.S.C. 1681s-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.

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 2022-05-03 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : Also states a consumer reporting agency can not furnish an account without my written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # 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 XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

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 a 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 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 explanation
Consumer complaint received 2022-05-03 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: Social Finance, Inc.
State: UT

Complaint narrative:
I received a notification from my credit monitoring servcie that a new loan inquiry had been made. I reviewed the information and determined that it was a fraudulent loan application and therefore opened a case with the credit monitoring service. A representative from the credit monitoring service called me and we placed a conference call to SoFi Lending who made the credit inquiry. The various representatives and supervisors we spoke were unable to locate the loan appliction using my email address and phone number. Since criminals would likely use their own email address and phone number as to not tip off the person they are trying to scam, they obviously were not able to find any loans using that data. We continually asked if they could look it up using my social security number to which they said they can not. This seem rediculous considering that is the information that was used for them to pull my credit in the first place. Since the loan does not show as being opened at this point it was our hope to be able to stop the loan from being opened and reported on my credit. The representatives from SoFi continually told us that they aren't able to search by social security number so therefore we would simply need to wait for the loan to fund, then file a police report and then dispute it with all of the credit bureaus. It seems that their system is set up to enable fruad instead of stopping it. While I don't know the rationale behind these policies I'm guessing it is financial in some way, shape or form. Why can a company pull my credit using my social security number, but not be able to look up a pending loan application using that same information and prevent fraud from happening. What a terrible company. If criminals are reading this then I'm sure they know that if they want to commit fraud, SoFi is the place to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
From XX/XX/2021 thru my current Synchrony Bank for XXXX XXXX XXXX statement there have been charges to my card. the latest was for the XXXX charge for : CARD SECURITY XXXX XXXX XXXX XXXX {$74.00} I called the number and they said I signed up for it when the facts are it is automatically checked when you apply for the XXXX XXXX XXXX I demanded they refund the full amount. They said they would in the amount of {$290.00} but would not give me a confirmation of this. I told the representative I would be filing a claim for fraud.

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 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
On XX/XX/2022 I reported to transunion, XXXX ( XXXX XXXX  ), XXXX, and CFPB on an error manifesting onto my transunion credit report. Today XX/XX/2022 I received a notice stating the case is closed and the response from " reported on '' company is available. Upon reading the response I disagree fully with the decision made on the Transunion behalf. This is unfair, there could not have been a thorough investigation completed. I submitted all the dogmatic evidence. This is unfair to suffer from a company not doing their due diligence when the law permits them to. And Im confused with how CFPB plays a roles in this complaint. I was under the comprehension that CFPB is an advocate for consumers experiencing issues with companies and upon reporting CFPB will resolve the issue. Instead It seems as thought CFPB serves as the platform to create the report instead of having a role in resolution. I would like the unauthorized inquiry removed from my Transunion report as this is a result in fraud. I will provide the evidence to support my therory and the report filed with XXXX. If the company ( transunion ) does not resolve this issue after this complaint I am proceeding with a civil lawsuit to protect my rights under FCRA. And to demonstrate my seriousness I have done a great deal of research, especially on how the FTC increased violations of Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ) from {$3500.00} to {$3700.00}. I have undeniable evidence to prove my case and to show I exercised every right allowed under law including challenging the info reported to bureau. I have been patient even though this inquiry is hurting my score and preventing me from buying a home at the current moment. This is a inconvenience to have this reporting on my report and also against the law. The resolution i seek is to have the " hard Inquiry '' removed. If not like stated above I will pursue lawfully.

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