vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX  has been attempting to collect a debt in amount of {$770.00}. The account ending in ( # XXXX ) on my XXXX and XXXX accounts. Date assigned XX/XX/year>. I've contacted this collection agency due to me being aware of it and that I didn't open the account. They told me the debt owed is {$73000.00}. I requested original documentation to verify i am responsible for this account. The have not done so.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Subject : Formal Complaint Against Credit Acceptance Corporation for Violations of the Fair Credit Reporting Act and Truth in Lending Act Dear Sir/Madam, I am writing to formally lodge a complaint against Credit Acceptance Corporation regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The inaccurate reporting on my credit and the deceptive lending practices have caused significant financial and emotional distress. Below are the details of my complaint : 1. Inaccurate Information on Credit Report : Incorrect Address : The address on the original contract was incorrectly listed as XXXX XXXX XXXX XXXX XXXX instead of my actual address : 2. Violations of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : The inaccuracies on my credit report have not been corrected despite my repeated disputes with Credit Acceptance Corporation .

Late Payments Reporting : Credit Acceptance Corporation has incorrectly reported late payments on my account, which have significantly impacted my credit score. These late payments are a direct result of the company 's failure to accurately bill and manage my account, not any fault of my own. 

XXXX. Violations of the Truth in Lending Act ( TILA ) : Finance Charges ( XXXX U.S.C. XXXX ) : According to the TILA, the finance charge should represent the cost of consumer credit as a dollar amount. Credit Acceptance Corporation has included additional fees and charges that are not permissible, violating TILA 's regulations. The finance charge is the only permissible charge when financing, and any extra charges are a violation of 15 U.S.C. 1605.

4.Statutory Damages and Compensation : I seek statutory damages ranging between {$100.00} and {$1000.00} for each violation of the FCRA and TILA.

I request compensation for the financial and emotional distress caused by Credit Acceptance Corporation 's practices since the inception of my contract dated XX/XX/year>. The original contract and details are included below for reference. 

Given the severity of these violations, I urge the CFPB to take immediate action against Credit Acceptance Corporation. I am also requesting that the CFPB ensure the correction of my credit report, removal of all inaccurate information, and enforcement of the statutory fines and compensation for damages incurred. From start date of contract until this matter is resolved Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Al as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocary group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXdebt final rule 1002. 142 ( b ) ( 4 ) -51002. 142 ( b ) ( 7 ). i kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the fair credit reporting act. i am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX & would like for all listed accounts to be blocked and deleted company information equifax. please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} & {$2300.00}. XXXX XXXX XXXXXXXX XXXX  {$1100.00}. XXXX XXXXXXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This query is with the company transunion I have an extended fraud alert on my credit profile Ive asked the company to verify these accounts as well as said inquiries for merchants Ive contacted transunion as well as the merchant over and to do a proper investigation into who keeps filing for credit in my name I do not recognizing said inquiries merchants or accounts

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 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX of 2024 Venmo froze my account due to " suspicious activity. '' I had just received funds in the amount of {$50.00}. and all the sudden it was flagged. The email from Venmo stated, that it was four identification purposes. So, I complied and sent them my identification. 

Fast forward to XX/XX/year> I get an email stating that my account has been successfully unfrozen. On XX/XX/XXXX of 2024 I log in and see that my account is suspended now. I open the email from Venmo and it states the same thing it did last time. Due to suspicious activity. And that I needed to upload an ID once again. 

I called customer service and they did nothing to help me. All they did was say that it would be sent to an account specialist. And it could be up to 1 to 5 business days. I can not withdraw my funds until this is resolved. I stated to him that I had already uploaded my ID and I don't know why my account is suspended hey did nothing in return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: NJ

Complaint narrative:
Subject : Formal ComplainXXXX XXXX XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act and Truth in Lending Act Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The inaccurate reporting on my credit and the deceptive lending practices have caused significant financial and emotional distress. Below are the details of my complaint : 1. Inaccurate Information on Credit Report : Incorrect Address : The address on the original contract was incorrectly listed as " XXXXXXXX XXXX XXXX XXXX instead of my actual address : 2. Violations of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : The inaccuracies on my credit report have not been corrected despite my repeated disputes with XXXX XXXX XXXX XXXX 
Late Payments Reporting : XXXX XXXX XXXX has incorrectly reported late payments on my account, which have significantly impacted my credit score. These late payments are a direct result of the company 's failure to accurately bill and manage my account, not any fault of my own.

3. Violations of the Truth in Lending Act ( TILA ) : Finance Charges ( 15 U.S.C. 1605 ) : According to the TILA, the finance charge should represent the cost of consumer credit as a dollar amount. XXXX XXXX XXXX has included additional fees and charges that are not permissible, violating TILA 's regulations. The finance charge is the only permissible charge when financing, and any extra charges are a violation of 15 U.S.C. 1605.

4.Statutory Damages and Compensation : I seek statutory damages ranging between {$100.00} and {$1000.00} for each violation of the FCRA and TILA.

I request compensation for the financial and emotional distress caused by XXXX XXXX XXXX 's practices since the inception of my contract dated XX/XX/year>. The original contract and details are included below for reference. 

Given the severity of these violations, I urge the CFPB to take immediate action against XXXX XXXX XXXX. I am also requesting that the CFPB ensure the correction of my credit report, removal of all inaccurate information, and enforcement of the statutory fines and compensation for damages incurred. From start date of contract until this matter is resolved Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2024-07-20 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: NJ

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act and Truth in Lending Act Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The inaccurate reporting on my credit and the deceptive lending practices have caused significant financial and emotional distress. Below are the details of my complaint : 1. Inaccurate Information on Credit Report : Incorrect Address : The address on the original contract was incorrectly listed as " 192 Grifeld Pl '' instead of my actual address : 2. Violations of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : The inaccuracies on my credit report have not been corrected despite my repeated disputes with XXXX XXXX XXXX XXXX 
Late Payments Reporting : XXXX XXXX XXXX has incorrectly reported late payments on my account, which have significantly impacted my credit score. These late payments are a direct result of the company 's failure to accurately bill and manage my account, not any fault of my own.

3. Violations of the Truth in Lending Act ( TILA ) : Finance Charges ( 15 U.S.C. 1605 ) : According to the TILA, the finance charge should represent the cost of consumer credit as a dollar amount. XXXX XXXX XXXX has included additional fees and charges that are not permissible, violating TILA 's regulations. The finance charge is the only permissible charge when financing, and any extra charges are a violation of 15 U.S.C. 1605.

4.Statutory Damages and Compensation : I seek statutory damages ranging between {$100.00} and {$1000.00} for each violation of the FCRA and TILA.

I request compensation for the financial and emotional distress caused by XXXX XXXX XXXX 's practices since the inception of my contract dated XX/XX/year>. The original contract and details are included below for reference. 

Given the severity of these violations, I urge the CFPB to take immediate action against XXXX XXXX XXXX. I am also requesting that the CFPB ensure the correction of my credit report, removal of all inaccurate information, and enforcement of the statutory fines and compensation for damages incurred. From start date of contract until this matter is resolved Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: OK

Complaint narrative:
No letter received to verify debt. If they " think '' this debt is valid, they must send me the following : copy of their purchase agreement, copy of original contract, name of original creditor, payment history, and debt validation. They put this account on my credit reports, WITHOUT notifying me, or sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Sync/amazon/XXXX  aka Synchrony Bank/Amazon DATE XX/XX/year> AMOUNT {$1300.00} In accordance with the Fair Credit Act, this creditor has violated my rights under 15USC.1681 section 602 states I have the right to privacy. 15USC. 1682 section 604A section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC. 1666B A creditor may not treat a payment on a creditor card account under an open and consumer credit plan as late for any 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing my personal information, names, addresses, and DOB needs to be updated and corrected. My name is spelled XXXXXXXX XXXX XXXXXXXX, my email address is XXXX, my phone number is XXXX, my date of birth is XXXX and my correct and only address is XXXX XXXX XXXX XXXX, P.A XXXX this is the only address that should be listed on my consumer report please remove any other address and names or DOB other then the ones stated in this letter.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX {$1300.00} In accordance with the Fair Credit Act, this creditor has violated my rights under 15USC.1681 section 602 states I have the right to privacy. 15USC. 1682 section 604A section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC. 1666B A creditor may not treat a payment on a creditor card account under an open and consumer credit plan as late for any 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 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brock & Scott, PLLC
State: TN

Complaint narrative:
In XXXX of XXXX I was informed by XXXX XXXX that I had to contact Brock and Scott PLLC regarding credit card debt. In XXXX I requested proof of debt. In XXXX of XXXX Brock and Scott PLLC sent me a pack of blank papers which was not proof of debt. On XX/XX/XXXX I received proof of debt. On XXXX XXXX. I was served papers being informed that I was being sued. I contacted Brock and Scott and inquired about the civil suit stating that I didnt receive proof of debt until XX/XX/XXXX, and by law I had 30 days to dispute debt. A representative at Brock and Scott informed me that they submitted the suit on XX/XX/XXXX XXXX days prior to sending me adequate proof of debt. The representative stated that they sent me proof of debt on XX/XX/XXXX, and I informed them I was not sent proof of debt thats why they sent it again on XX/XX/XXXX. The representative stated she did see where proof debt was sent on XX/XX/XXXX and XX/XX/XXXX but she was unsure why. I have not heard back from Brock and Scott PLLC since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TN

Complaint narrative:
Syncom called my boyfriend whom I have no legal ties to and told them they were looking for for a debt collection and then included the amount I owed ( which was an incorrect amount ) as well as to who the debt originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had to be rude with the woman as she was speaking to me like this situation was my fault. I do no appreciate the way I was talked to nor do I appreciate being told this was my fault. I am not the one whom did not verify information in the XXXX. I do not appreciate being charged for a credit card to be shipped as soon as possible when Im not the one that messed up. Im extremely frustrated as I should have a new credit card and Im being talked to like this is my fault and I have to wait 10 more business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: PA

Complaint narrative:
Upon checking my Credit report I have noticed a late payment on my report. I was also affected by Covid 19. Also according to 15 USC 1666b " a creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. '' Please Update and remove this late payment from my account. 

XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon checking my Credit report I have noticed a late payment on my report. I was also affected by Covid 19. Also according to 15 USC 1666b " a creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. '' Please Update and remove this late payment from my account. 

XXXX Account number : 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 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
Im XXXX XXXX, I would like to know what happened because I already paid the money they are charging me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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