vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
Payment went 30 days passed due in XX/XX/2023. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on leave from my XXXX  XXXX  and not only did I have XXXX XXXX done, but my workplace docked my pay illegally. After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX  and deduction of my pay, I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with Wells Fargo for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. Wells Fargo verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the 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 2024-03-03 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: IL

Complaint narrative:
In XX/XX/XXXX I sent letters and documentation on XX/XX/XXXX I sent letters and documentation and the credit reporting agency is stating they never received my documents, and just submitted all my disputes on XX/XX/XXXX, I havent received a response from the credit reporting agency Transunion.

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 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Some time about the middle of XXXX XXXX  being unhappy with my XXXX XXXX  ( synchrony bank ) credit card over problems with there security and being blocked from using the acc. 
I informed them I wanted to close the Acc. and no longer wanted to do business with them or XXXX 's XXXX or Synchrony Bank. 
There response was to make a threat to cause damage to my credit score and I am still getting 0 balance statements from them showing the acc as open. 
My credit score soon after went from XXXX to 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 2024-03-03 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:
I recently reviewed my credit report and I noticed an account that is not reporting accurately. I have 1 late payment on an account that I did in fact pay on time. The consumer reporting agency have to report complete accurate information to the consumer report. This account listed below have not been late on payments. I've attached my consumer report that details the inaccurate information to this complaint. The report shows late ( XX/XX/2022 ). I am also attaching the car loan statement detailing an on time payment made. Please update the late payment as paid on time immediately. 

XXXX XXXX  - Account number XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: MO

Complaint narrative:
I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original creditors as requested. I'm demanding that this account be removed immediately : ( 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 non-monetary relief
Consumer complaint received 2024-03-03 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: MO

Complaint narrative:
I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original creditors as requested. I'm demanding that this account be removed immediately : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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:
This account was charged off on the following date XX/XX/XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : -XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I was offered a 20 % discount with Lowes through synchrony bank, which I immediately redeemed with a new purchase of a storage shed that was about {$1000.00}. After my purchase was made, the store canceled the order without contacting me, since I had already made the purchase, it used my code, so when I tried to make another purchase, it said that the code had already been used.

I tried to call the Lowes and synchrony but was never able to reach a person, until today. 

When I explained what happened I was met with a highly unreasonable response and a refusal to honor the discount code that was the reason I signed up for the card in the first place. 

This is an unfair and possibly deceptive practice to entice people with discount codes to sign up for their credit card, then make it difficult to reach a person who can help, then refuse to honor the discount when someone does manage to get through. 
This company has no controls in place to ensure that discount codes are honored and reinstated when a purchase does not go through. Instead, they apparently leave it to the customer to struggle through their automated phone system until they give up on it. 

I've spent hours of my life trying to resolve this with the synchrony to no avail, all this while just having a baby and trying to deal with that as well. 

As a sidenote, when I asked for a number to corporate, I was told that there is no phone number, and I must mail them a letter. Further highlighting the red tape this company has in place to avoid honoring their promotions.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I do not recognize the dates I authorized credit monitoring with the following institutions and suspect fraudulent activities XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-03-03 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I was told I needed to pull my credit report from all XXXX bureaus because I pay a credit defense company. I noticed a lot of discrepancies on my credit file. Wrong addresses closed debt I paid in full also ex-husbands debt included in a bankruptcy. These reports I never authorized. I am not aware of all these inquiries that were made without my consent. These items are old debts. Also reporting incorrect balance XXXX XXXX after agreement of monthly balance repayment. XXXX XXXX, XXXX XXXX, XXXX XXXX auto is always currrent in my payments. XXXX, XXXX XXXX, XXXX XXXX and so on are companies I have never used or inquired about.

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 2024-03-03 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: Sunbit, Inc.
State: OH

Complaint narrative:
I was told I needed to pull my credit report from all XXXX bureaus because I pay a credit defense company. I noticed a lot of discrepancies on my credit file. Wrong addresses closed debt I paid in full also ex-husbands debt included in a bankruptcy. These reports I never authorized. I am not aware of all these inquiries that were made without my consent. These items are old debts. Also reporting incorrect balance XXXX XXXX after agreement of monthly balance repayment. XXXX XXXX, XXXX XXXX, XXXX XXXX auto is always currrent in my payments. XXXX, XXXX XXXX, XXXX XXXX and so on are companies I have never used or inquired about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Dear Midland Credit Management, I am writing to formally dispute the debt appearing on my credit report, as reported by Midland Credit Management. Upon reviewing the information, I have identified several inaccuracies that not only violate fair credit reporting practices but also contravene the Fair Credit Reporting Act ( FCRA ). 

Fluctuating Debt Amount : The reported debt amount has been inconsistently changing without proper validation or justification, a clear violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 
Billing Address Inaccuracy : The billing address associated with the debt ( XXXX XXXX XXXX, XXXX, NJ XXXX ) is not accurate, infringing upon the FCRA Section 623 ( a ) ( 1 ) ( A ).

Failure to Provide Licensing Information : The failure to provide licensing information, specifically the XXXX number, is a violation of FCRA Section 605 ( c ) ( 2 ). 
Incomplete Debt Validation : The incomplete debt validation provided violates the FCRA Section 611 ( a ) ( 1 ) ( A ), requiring detailed information about the original creditor, the account number, the amount owed, the legal basis for claiming I owe the current amount, and the age of the debt. 
Inaccuracies in Reporting : Various inaccuracies in reporting violate FCRA Section 607 ( a ), which mandates accurate reporting of consumer credit information. 
Furthermore, I must inform you that my legal counsel has advised me to contact you to resolve this matter amicably. However, if this issue is not resolved promptly and the inaccurate information is not deleted from my credit reports, I will have no choice but to proceed with legal action. I have accumulated ample evidence supporting my claims. 

Please do the right thing and delete this inaccurate information from my credit report with all three major credit bureausXXXX XXXXXXXX, and XXXX, as well as any other third-party creditors that may have accessed or reported this information. 

These actions are not only my rights under the FCRA, but they are also protections afforded to me to ensure the accuracy and fairness of information reported about me. Failure to comply will result in further legal action, as my rights include pursuing a civil suit under FCRA Section 616. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2024-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX doesn't exist. Company was notified numerous of times concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Upon opening my Virtual Wallet Performance Spend account, I was excited to learn about the promotional offer, which stated that I could earn a {$200.00} reward for opening and using a new Virtual Wallet with Performance Spend. I carefully reviewed the terms and conditions outlined in the offer, and I am pleased to confirm that I have met all the requirements necessary to qualify for this bonus and it was applied to my account upon opening. 

To recap, I opened my Virtual Wallet Performance Spend account online within the specified timeframe of for the bonus. Additionally, I ensured that a qualifying direct deposit was received within the first 60 days exceeding XXXX XXXX of opening my account, as required by the terms of the promotion. 

Despite fulfilling all the necessary criteria, I have not yet received the {$200.00} bonus as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am complaining that the bank branch was closed during regular banking hours. This created a significant hardship for me on a Saturday afternoon, right before the weekend. 
Today, Saturday, XX/XX/2023, I drove to the Bank of America branch located at XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( I drove a fair distance from where I was staying because this branch, according to the Internet, was one of the only Bank of America branches in XXXX XXXX that would be open today, on Saturday XXXX. I knew I needed to arrive well before XXXX, especially because I was intending to pay off my credit card, collect my remaining funds, and close my account. By the way, I have been a Bank of America customer for 50 years (! ), since I was XXXX XXXX XXXX, but I am now retired and XXXX and I have become frustrated that they will not give me a free or low-cost account. The only way to avoid most fees is to keep {$1500.00}. in my account. ) Note : This is a regular functioning branch and I have previously visited the branch as recently as one week ago. Their posted hours on XXXX are XXXX XXXX  - XXXX XXXX. I walked up to the door at XXXX XXXX  and was astonished to find the branch closed! According to my online research, today, XX/XX/XXXX, is NOT a recognized federal or bank holiday. I was super annoyed and upset to have taken significant time out of my day and to have driven a distance to get to this sole open branch on a Saturday afternoon. I needed to take care of my credit card payoff and cash collection TODAY for significant personal reasons, but was unable to accomplish my banking work due to this unexpected bank closure. Why was the bank closed at XXXX XXXX  when it was supposed to be open until 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 2024-03-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 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 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 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 2024-03-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 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 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 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 explanation
Consumer complaint received 2024-03-03 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: HI

Complaint narrative:
I made a payment to Synchrony Bank ( Paypal Credit ) using my Paypal balance, as previously described, and that payment was reversed and late penalties applied even though I got an email saying the payment had been applied to my account. 

I filed a CFPB complaint, and Paypal locked down my account due to " fraudulent activity '' and requested my ID for some reason. 

I provided my ID, and filed a new complaint against Paypal for locking down my account. Now Paypal and Synchrony Bank are playing the finger pointing game, each saying the other is to blame for my account getting locked down. 

They have " reversed '' the fraudulent charges back into my account. 

Now I am being contacted by a Vendor I did business with last year, asking if I reversed their charges from Paypal. I did not. Clearly, this is the " fraudulent activity '' they detected. I did not submit these transactions as fraud, they ARE valid, and no one has contacted me as to their authenticity.

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