vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I started a complaint on CFPB with Synchrony/Paypal Credit XXXX XXXX : XXXX ). The company responded and closed my complaint right away. They did not allow me to respond. Here I have written my response and require follow up from PayPal/Synchrony .

I disagree with the information Synchrony/Paypal sent in their response by XXXX XXXX XXXX XXXX is attached in case number provided above ). I request this case be reopened and a follow up for my response. Here are 6 questions/concerns : 1. Their response states I didnt set up an auto-pay payment plan. Yet I set up the payment plan via phone call. Its all in the recorded call. In the call, the agent stated I was enrolled in auto-pay for minimum payment. They provided 0 information of this in their response. Thus, I request a review of the call with the agent. How can I receive this information/how can we confirm you review the call?

2. You stated my payment plan was opened XX/XX/XXXX. The first payment that was missed was XX/XX/XXXX. All of those payments in between were on-time and NOT manually paid. It was all autopay. So please explain how I wasnt enrolled in auto-pay?

3.I cross-referenced my bank account linked to PayPal payments and it had sufficient funds for the dates you state I missed payment and indicated in your response. Thus, if my account was on auto-pay as it shouldve been AND as mentioned in the call AND as it was for months prior, there would be 0 missed payments. So why wasnt it charged autopay? Or did you guys cancel the autopay?

4. Your response states I shouldve received CAP emails. Which of my emails were they sending notifications it to?

5.Has PayPal/Synchrony sent me any lawsuit letters for this collection? 

6.A quick investigation on PayPal/Synchrony within the past years shows that they have canceled auto-pay for individuals ( unbeknownst to the customer ) and have caused mishaps with peoples payments. You can actually see people complaining about this right on the PAYPAL COMMUNITY section on PayPal.com here : XXXX XXXX XXXX 

Another example on Fico websites where customers have submitted complaints on this as well : XXXX XXXX XXXXXXXX All that said, this case needs to be reopened and I need a proper and thorough investigation into the call where we agreed I would be on auto-pay. In addition, I have proof the on-time payments were done via auto-pay charges and not manually. So we need to further discuss this. Please answer all questions and AWAIT my answer instead of closing the complaint.

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 2024-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Lentegrity Management, LLC
State: TX

Complaint narrative:
This company I believe has violated the fair debt collection act on many levels unknowingly while working and communicating with the company they snatched the car in the middle of the night and the Redemption figures they provided are incorrect I can no longer communicate with this company unless it's in writing because they do not document any conversations and all the information they provide changes on a dime and is so inconsistent that I requested proof in writing. 

I no for a fact that they're including a payment that just became due a few days ago in the defaulted amount required to be paid in order to get my car back while that payment is still within its Grace days and is not considered delinquent they also will not give me a breakdown of other charges and frankly I do not charge these people as far as I could spit as they have done so many things I believe that are in violation the constant harassment by phone calling XXXX times a day calling you after you speak to somebody already and still repeatedly calling you it seems to be because they don't document any discussions one has with the company therefore I only deal with them by email as they have also on multiple times text me different dollar amounts that are owed after I repeatedly asked them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear XXXX, I am writing to formally request the removal of incorrect addresses that are currently listed on my TransUnion credit report. After a thorough review of my credit report, I identified several addresses that are either outdated or incorrect and do not accurately represent my current or previous residences. 

The incorrect addresses are as follows : Incorrect Address 1 : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Address 2 : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX The correct and current address is : XXXX XXXX XXXX XXXX XXXX, CA. XXXX These inaccurate addresses could potentially cause confusion and affect my creditworthiness. As such, I request that XXXX promptly investigate this matter and remove the incorrect addresses from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my current address. 
A recent utility bill ( or bank statement ) with my current address. 
A copy of the relevant section of my credit report highlighting the incorrect addresses. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect addresses have been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-01 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: TN

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
This notice is a reporting of FCRA VIOLATION.

This to inform you that you have reaged this account which is illegal by law. 

The account was first reported on my consumer report XX/XX/year>. Florida Statue of limitation is 4 yrs. 

Per 1006.26 Collection of time-barred debts ( 2 ) Time-barred debtmeans a debt for which the applicable statute of limitations has expired. 

You knowingly and willingly have unlawfully reported this debt to my consumer report. 

Per 1006.18 False, deceptive, or misleading representations or means ( d ) False representations or deceptive means.A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 


I have NOT given you written permission to put anything on my credit profile 15 USC 1681b2. 

You have NO permissible purpose by law to contact third parties with my private or personal information. 

I have shown you and you have been put on notice that you are reporting inaccurate information. 
The information is, in fact, inaccurate. 


Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly used my personal information without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You, JEFFERSON CAPITAL, A DEBT BUYER delete this reage alleged debt immediately from my consumer report or I will escalate this matter to taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally request the removal of incorrect addresses that are currently listed on my Equifax credit report. After a thorough review of my credit report, I identified several addresses that are either outdated or incorrect and do not accurately represent my current or previous residences. 

The incorrect addresses are as follows : Incorrect Address XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX Incorrect Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX Incorrect Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX The correct and current address is : XXXX XXXX XXXX XXXX XXXX CA XXXX These inaccurate addresses could potentially cause confusion and affect my creditworthiness. As such, I request that XXXX promptly investigate this matter and remove the incorrect addresses from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my current address. 
A recent utility bill ( or bank statement ) with my current address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect addresses have been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wellsfargo refuses to remove inaccurate reporting from my consumer report knowing they are in fact reporting inaccurate information. I have attempted to resolve this manner several times. can you please investigate why they refuse to follow the laws of the FCRA. Attached is the information being willfully reported on my consumer report. Account number XXXX The law states the Following : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
First Investors Servicing Corporation INC, has used my consumer right and over charging me on my money out my XXXX XXXX and violating my rights with such criminal act of smooth words and deception. I am requesting clarification and stop any unauthorized activities immediately on my cesta qui account! 

First Investors Servicing Corporation INC acct # XXXX XXXX Sincerely, 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 explanation
Consumer complaint received 2024-06-01 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: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: LA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 informationisinaccurate.

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 2024-06-01 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: EQUIFAX, INC.
State: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I found out the creditor didn't give the required XXXXday notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I found out the creditor didn't give the required XXXXday notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-01 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: WV

Complaint narrative:
I found out the creditor didn't give the required XXXX-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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