vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference

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 2024-06-19 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: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the balance of {$5100.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

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 2024-06-19 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: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with the balance of {$5100.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing regarding the regulations outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. It has come to my attention that you have neglected to fulfill the requirement to indicate that a specific account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.

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 2024-06-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing regarding the regulations outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. It has come to my attention that you have neglected to fulfill the requirement to indicate that a specific account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Summit A*R, Inc.
State: IL

Complaint narrative:
I have provided XXXX with the information that Sumitt Collections is reporting a false debt on my account. I provided the evidence to them. 

XXXX XXXX who was recently fined and under federal investigation claims I owe them money. 

My bank investigated the matter and I won the dispute.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TradeStation Group, Inc.
State: IL

Complaint narrative:
I have provided XXXX with the information that XXXX XXXX is reporting a false debt on my account. I provided the evidence to them. 

Trade Station who was recently fined and under federal investigation claims I owe them money.

My bank investigated the matter and I won the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data 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 explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I opened a savings account with Flagstar bank. After several months I needed to transfer funds to my XXXX account to help pay bills. I logged into my account and verified my XXXX  account per their instruction and it seemed that the transfer was taking place. 5 days later I was told that it wasnt completed because they didnt have my drivers license. I submitted my license per the instructions of customer service and waited 3 days. I was then told that they also needed a utility bill. I did this as well. I called in and was told that they have a XXXX week wait for approving clients to access their own funds. I am unable to transfer, withdraw funds or even close the account. I finally received a message indicating that they received my license but am still not able to make the transfer.

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 2024-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank credit problems My credit report states I have three credit cards in weight off. The credit cards are. Jcpenny, rooms to go, and care credit. I asked the company for confirmation of debt lawful one. O need to see alllll the bills from all three credit cards with my wet signature not not not a copy. I also need to see the original contract signed with two signatures. If you can not provide this you will be in court. I feel 15 usc 1692J is for your company. You are trying to give me deceptive information. Your company cant be charged with XXXXXXXX XXXX XXXX XXXX XXXX. This is when you take the body for ransom for contracts that do not exist. Your ceo needs to correct the problem or be in a federal court house. Bring your XXXX  I mean lawyer who is a bar card holder who is a XXXX  registered agent who takes oath for the 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 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX issues credit cards through Continental Finance Company ; I have two cards with them ( Verve and Cerulean ). I obtained these cards to help build my credit. My credit is now very good and these high interest/fee cards are no longer needed or wanted. I have tried to close both accounts multiple times in the last XXXX months by calling the Customer Service number provided on the back of the card and online, but there is no way to reach a customer service representative to discuss any card issues, even though it says " this call may be monitored or recorded '' - it's all automated and there's no Customer Service involved. They have now increased the interest rate to XXXX % ( which is insane ) AND annual fees nearly doubled to {$150.00}. 
I don't trust mailing in the request as I've seen reviews where folks have had issues with accounts thinking they were closed and they were in fact not closed and fees were charged without their knowledge, rang up late fees because of fees and then reports to the credit reporting companies. This is plain and simple abuse of the system and the consumer for financial gain ; making it as difficult and nearly impossible to close an account is again, an abuse of the system and the consumer and should be illegal. 
The second issue is providing a phone number and calling it a customer service number, where you can't reach anyone, again contributes to the abuse of the system and the consumer for a financial gain. AND FOR A SECOND TIME I'LL say, this type of financial predatory behavior should be illegal. 
I will write to the address provided and have it tracked by USPS for delivery, but ALL I WANT TO DO IS CANCEL THE ACCOUNTS. IT SHOULDN'T BE THIS DIFFICULT!

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 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the practices of Synchrony Bank with my PayPal credit card. I made a payment on my account on XX/XX/XXXX, and while the payment has been credited to my account, the funds are not available for use until XX/XX/XXXX. This delay, almost a full billing cycle, is unprecedented and unreasonable. 

Synchrony Banks justification for this delay is that it is a normal practice in case I cancel my posted payment, which is not possible. I have never experienced such a problem with any other credit card. This delay has caused significant inconvenience ; for instance, I am unable to pay certain bills because my transactions keep getting declined, even though my balance is {$3.00}. The payment covered the full balance, and the card has a limit that is less than any other card I have, making this extended hold period even more baffling and unjustifiable. 

Additionally, I have encountered issues with using the PayPal credit card at reputable car rental companies like XXXX and XXXX. They informed me that they can not accept this form of payment due to prior issues and the volume of problems they have had with this card. They would not provide any further details. This suggests there may be other questionable practices by Synchrony Bank that are affecting the acceptance of this card. 

When I contacted Synchrony Banks customer support, I was informed, with an unhelpful attitude, that this is standard practice. It is unacceptable and unheard of for a credit card company to withhold credit usage for such an extended period after a payment has been posted. This policy should be clearly communicated to all customers. 

I urge the Consumer Financial Protection Bureau to investigate these practices, understand why these policies exist, and determine what consumer laws can be applied to protect customers like myself from such unfair treatment. Specifically, if a card is paid and the balance is fulfilled, why is the credit not released promptly? 

Thank you for your attention to this matter. 

Sincerely, 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 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I checked my account balance on Chevron/Texaco XXXX XXXX my account website, and the most recent statement showed the minimum payment due on a balance of {$100.00} is {$40.00} which is out of the ordinary, cause the bill isn't even due to XX/XX/2024. The minimum should be about {$29.00}, not {$40.00}. When I spoke to a rep she said it was because of a late payment, but the bill isn't due till XXXX XXXX XXXX I " won't '' be paying that, as I will pay the minimum of what I have been paying a month, {$30.00}.

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 2024-06-19 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: TX

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number:XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX XXXXXXXX, and Transunion data 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