vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and saw some accounts on my credit report that I did not recognize. 
I have submitted multiple letters since XX/XX/2022, to XXXX  to get a debt validation on XXXX accounts they have reporting under my name on my credit report. They have not responded. I then sent Experian a letter to let them know that I tried to validate it and there was no response from affirm and experian sends a computer generated '' its been validated ''. SO I then filed an FTC identity theft report as well as a police report and I forwarded them to XXXX  and Experian. 
Nothing has been done to date. XXXX, XXXX  sold this fraudulent account to XXXX XXXX ( which I just received a collection notice from )- but affirm is still reporting this account. 

Ive attached a copy of both accounts credit report, a copy of the FTC identity theft report, police report, and XXXXXXXX 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 2023-03-06 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: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; Account # XXXX has violated my rights. 
15 USC 1681 section 602a : States, I have rights to privacy.

15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions.

This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-03-06 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: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX - The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have formerly disputed Bankruptcy account information and ascertain that the data furnisher had permissible purpose for the account to potentially initiate said alleged bankruptcy be it true, or not, valid or not, defamatory allegations have to be Metro 2 Compliance in order to be maintained or reported I requested deletion of any information that is not subsequently with proof of permissible purpose documented evidence confirming validity, accuracy, timeliness and the mandatory perfect and certified Metro 2 Compliance . Attached below companies Experian response an in red exhibits of unverified, incomplete, inaccurate accounts/ Fair Credit Reporting Act violations 623 ( a ) ( 3 ) - 15 USC 1681c ( a ) ( 1 ) -15 USC 1681b - 15 USC 1681e ( b ) - 15 USC 1681s-2 ( B ) ( A )

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 2023-03-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This card is a syncrony bank card for a furniture store called XXXX XXXX. I got this card at XXXX interest for 1 year and since I have not got a bill or a physical card. I called and they ask for my account number which I dont have and the automated system asks for my social and they say they dont find anything. However it does show on my credit. I reached out via XXXX and they can not find me either. Every month I get a text saying Im late and its a reminder that I will be charged a late fee and after its due I get a link that says to pay it because Im late that link does not require a account # or password it lets me pay. However every month Im late and charged for being late! This is a scam! Very unethical.

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 monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Ingo Money, Inc.
State: WV

Complaint narrative:
I have had my XXXX account for a couple years now I mobile deposit my paycheck every other month give or take I try to deposit XX/XX/2023 ingo or fXXXX XXXX XXXX refused to cash and there reply was this account appears to be in active so we are going to leave it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
I and my husband took out a vehicle loan in my name from One Main Financial in XX/XX/2020. The original loan amount was {$11000.00}. 
As of XXXX I owe more than the original amount of the loan, the current balance is {$11000.00}, more than the original amount loaned, with {$400.00} monthly payments. 
Per One Main Financial, I have paid {$7300.00} on this loan and still owe more than I did when I signed for it. Again the original amount was {$11000.00}. Even with interest and 3 deferments, one loan modification, to owe more than the original amount of the loan seems predatory to me after nearly 3 years of payments. 
One Main Financial claims the reason I owe more than the original amount lent for the XXXX XXXX XXXX is due to insurances such as unemployment insurance which I have to wait 30 days from separation of a company to enact and the deferments above mentioned and the one modification. 
I disagree that this is fair. 
If I were to pay of the entire loan amount as of today I would have paid a total dollar amount of {$18000.00}. The vehicle is currently not operational either. For close to {$20000.00} I could have gotten a much nicer and newer and more reliable vehicle. 
The vehicle itself is only worth about {$5000.00} to {$7000.00} in working condition, which it is not. 
Even at a value of potentially {$5000.00}, I am upside down in this loan due to One Main Financials predatory and unclear lending practices by {$13000.00}. If I pay this off, I will have paid nearly 4 times the value of the vehicle if it were in working condition. 
Can you please review my case, I believe this is unfair and predatory and I will never be able to pay off this loan at this rate if I owe more than I began with nearly 3 years into a 5 year loan. 

Thank you for your time and considerationXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-DEPTEDXXXX XXXX XXXX  XXXX 2-DEPTEDXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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:
Today marks 2 years i have been fighting inaccuracies on my credit report. XXXX XXXX XXXX has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit scorXXXX suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving. 
After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. XXXX XXXX XXXX has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.

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 2023-03-06 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:
Today marks 2 years i have been fighting inaccuracies on my credit report. XXXX XXXX XXXX has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit score suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving.

After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. XXXX XXXX XXXX has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received a bill for a valid purchase for XXXX XXXX on XX/XX/XXXX with a due date of XX/XX/XXXX. I immediately made payment via online banking with my bank in XXXX, Fl to a processing center in XXXX, TX. I was provided with 6 business days to ensure payment. 
On XX/XX/XXXX, I received another bill for XXXX dollars as a late fee as they indicated that they did not process my original payment ( I believe ) until XX/XX/XXXX. I immediately called them the evening of XX/XX/XXXX and they refused to waive the fee. But they informed me that they were slow in processing bills after the holidays but everything was better now. I did not want to argue so I simply paid the fee again through online banking ( which was processed by my bank on XX/XX/XXXX ) and cancelled my card. This time I was given 7 business days from receipt of bill to make payment. 
To my surprise, I received another bill today, XX/XX/XXXX for another XXXX dollar late fee for the XXXX dollar late fee as they indicated they processed it on XX/XX/XXXX. I do not have a store near me to make payment nor do I provide my account information online or on the phone to make payments. I paid the bill the date I received it. The post office informs me that it should take 2 days to send from XXXX to XXXX. 
I spoke with 7 individuals today alone telling me that they can not waive the fee as I cancelled my card nor was there anyone I could contact via phone or email but rather I could complain via mail and provided a physical address. At the rate we are going I will always have a XXXX dollar late fee each month for the late fee if they do not notify me of the bill in a more timely fashion because clearly the date received is not an appropriate amount of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: KS

Complaint narrative:
I received a letter from Phoenix Financial Services stating i owe {$1400.00} XXXXXXXX XXXX XXXX XXXX  to a company named XXXX XXXX XXXX XXXX. I have no business dealings with either of these companies and it seems suspicious and deceptive considering this company has several lawsuits that show the company is a repeat offender when it comes to consumer rights. This company and all subsidiaries Shall cease and desist all communication with me other then to provide me ALL tracking and FULL DISCLOSURES pertaining to the alleged debt BY Certified USPS MAIL. Please provide me the services that were rendered in relation to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Scam of fabricated charge - Bank of America Visa denied the disputed claim with no recourse to supply additional information claim # XXXX Business class refundable ticked purchased from XXXX XXXX in XXXX for XX/XX/XXXX flight. Had trouble with XXXX XXXX website in XXXX. XXXX XXXX XXXX # XXXX and there was a XXXX that said click to call and was XXXX. ( note XXXX replaced with XXXX ) Represented as XXXX XXXX and stated flight cancelled and had to pay {$460.00} to rebook flight. Fabricated charge. XXXX XXXX XXXX  emailed original ticket confirmation # and ticket # - No changes made. In Bank of America disputed charge I provided this information. XXXX should have supplied a different ticket # and confirmation than the original and Bank of America travel Visa personnel too ignorant to request the merchant show proof of a rebooked ticket # different than the original. XXXX XXXX would not have charged me for a flight that they cancelled but would rebook at no charge. This was a business class refundable ticket. As it turned out the flight in question was cancelled and we were rebooked at no charge. This entity XXXX took 2 hours to set up and called me back. Threatened if did not pay would have to rebook entire flight. Disputed with credit card and merchant stated was a change fee and credit card company had me pay the charge. Representation was made to me it was a rebooked ticket and stated to credit card as legitimate change fee charge. Payment made to XXXX XXXX XXXX 
Bank of America credit card contact # 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 monetary relief