vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
3 months in a row I was charged {$260.00} in interest on a {$3000.00} credit card, called the first time I was charged and was told the interest fee was a one time fee because the special promotion ended and I would not be charged again, 2 month in a row I was charged, I called them again today, XXXX and asked why I was charged two more times, she said because the special promotion ended again for another purchase and unless I paid it in full, {$3000.00} I would be charged a monthly interest of {$260.00}, which has to be illegal. I would rather file bankruptcy, it makes way more sense then to make a over {$100.00} payment that dies absolutely nothing because my interest charge is double the minimum payment due, I would never agree to this, it has to be a scam or illegal interest rate charged, Ill report this to anyone who will listen, This is a PayPal credit card through synchrony bank, ridiculous, I have 4 other credit cards with synchrony and none of them charge interest like that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: AZ

Complaint narrative:
My credit report is showing XXXX XXXX XXXX as 90 days late payment. This account was never late. The account was placed on auto pay. They claimed there was an issue with their system. This account should show as never been late. This information on my credit report is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As of today XX/XX/XXXX   I have not been able to see my TRANSUNION credit report through their website for 60 days now. Ive already attempted to contact TransUnion by phone twice and i received no help on this situation. I have the right to fairness and I find it unfair that I can not view my current credit score or current 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 2023-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: SC

Complaint narrative:
I completed an application for a vehicle purchase on carvanaXXXX was approved and uploaded requested documents. I also paid a {$590.00} " non '' refundable transfer fee via ACH. The transfer fee was listed as refundable up until the car 'ships '. I received a notification from Carvana that the day after the fee processed that the transaction was going to be terminated by Carvana and the termination happened within two hours of 'their ' termination period. I don't have a car and they took the {$590.00} I paid. If i cancelled the transaction and i agreed to pay then it is on me< But Since I did not cancel the transaction, the non-refundable fee seems bias.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Late Payments Are Not Authorized To Be On My Report no written authorization was given XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 





However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Late Payments Are Not Authorized To Be On My Report no written authorization was given XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 





However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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:
In accordance with the Fair Credit Reporting act 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
On XX/XX/2023, I sent Jefferson Capital Systems LLC a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$360.00}. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023, at XXXXXXXX XXXX. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: MA

Complaint narrative:
On Saturday, XX/XX/2023, around XXXXXXXX XXXX I found that all my SHIBA coins and ETH coin were gone/stolen without my authorization. I have no ideas how this happened. 
I have tried to reach the Trust Wallet support but they didn't reply to me. Only an AI is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: SC

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.

1, XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has 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 2023-08-20 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: SC

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. 

1, XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX. 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of in
formation, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was offered a price of {$65.00} ( including shipping ) for two swimsuits purchased from " XXXXXXXX XXXX XXXXXXXX, '' if I opened a credit card with them. The swimsuits were returned ; but the first statement arrived with a balance of {$75.00} -- not {$65.00} Several days and hours-per-call later, I have not been able to get the matter resolved -- different persons at Comenity give different nonsensical answers then transfer me to someone else to begin the cycle again. On XX/XX/23 after over 10-minute discussion with XXXX, he transfered me to the " dispute dept. '' where XXXX said he would close the account ( per my request ) but the late fees and interest charges would remain. On XX/XX/23 at about XXXXXXXX XXXX., I answered a call from " XXXX '' who demanded payment on a balance in excess of {$88.00}. She was told I would not be paying that outrageous disputed balance. Over the past two weeks I have received 5 or more calls DAILY from Comenity. I have sent a letter and email requesting they stop by they persist. The original balance was incorrect and getting a correction was impossible. They even continued with late fees and interest charges AFTER I told them to close the account. 

Now they have even placed negative reports on my credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-20 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: AZ

Complaint narrative:
I reviewed my consumer reports and I notice that I have to late payments on an account that I was never late for. Cosumer reporting agencies have assumed a vital role and have the responsability to report consumer information to the best of their ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX please investigate and provide proof with statments showing that the payment was late. If proof can't be provided I demamd these payments are updated to on time as they should never 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 non-monetary relief
Consumer complaint received 2023-08-20 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: AZ

Complaint narrative:
I reviewed my consumer reports and I notice that I have to late payments on an account that I was never late for. Cosumer reporting agencies have assumed a vital role and have the responsability to report consumer information to the best of their ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX please investigate and provide proof with statments showing that the payment was late. If proof can't be provided I demamd these payments are updated to on time as they should never late.

Company response to consumer: Closed with non-monetary relief