vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XXXX  CREDIT OPTICS SCORE
LEXISNEXIS RISK VIEW SCORE

CONTINUE TO REPORT OUTDATED/INACCURATE CREDIT SCORE/DATA FROM XXXX XXXX. THEY CONTINUE TO REPORT SCORE XXXX AND MY SCORE IS A XXXX! I HAVE BEEN TRYING TO GET THEM TO USE UPDATED CREDIT SCORE! I CONTINUE TO BE DECLINED FOR CREDIT AND GET THE SAME EMAIL RESPONSE FROM CREDITORS WITH THE ABOVE INFORMATION.

I ALSO HAVE BEEN TRYING TO FIND A WAY TO OPT OUT OF THEIR REPORT TO NO AVAIL. YOU CAN NOT ACCESS THEIR LINK: XXXX

THEY HAVE TO SEND LINK.

THIS COMPANY IS A PROBLEM. I WANT TO OPT OUT OF THEIR REPORTS BEING USED TO EVALUATE MY CREDIT WORTHINESS. THEY ARE DAMAGING MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had not been used my credit card and had a credit balance in late XXXX. I asked for a credit balance refund and check was issued on XX/XX/29 for {$120.00}. Check # XXXX. I never received the check and called many times and was told check would be reissued or balance would be adjusted to reflect the {$120.00} credit adjustment, but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to bring a serious matter to the attention of the Consumer Finance. My complaint pertains to unauthorized interest charges that I have been facing from Synchrony Bank in connection with my credit card account with XXXX XXXX XXXX. 

On XX/XX/XXXX, I availed of a credit card through XXXX XXXX XXXX 's website, with the understanding that I would be eligible for a XXXX interest-free financing offer. Based on this assurance, I proceeded to make purchases using the credit card. However, since the initial purchase, I have been consistently charged interest, despite fulfilling all the criteria for the free financing option. 

I have attempted to resolve this issue by reaching out to Synchrony Bank 's customer service on multiple occasions. Unfortunately, my attempts have been in vain as they have been unable to rectify the problem or provide any reasonable explanation for the erroneous charges. I have attached relevant copy of purchase records and chat transcripts with XXXX XXXX XXXX for your reference. 

My total purchase amount from XXXX XXXX XXXX stands at {$2600.00}, which I have diligently paid in monthly installments, with the final payment made on XX/XX/XXXX. However, to my dismay, Synchrony Bank claims that I still owe them {$1800.00} due to alleged interest charges. I vehemently dispute this claim as I have made every effort to comply with the terms of the free financing agreement. 

I am a middle-class individual with a strong track record of responsible bill payment and a XXXX XXXX of XXXX, which reflects my financial credibility. Therefore, I find it inconceivable that I would willingly incur interest charges and late fees. My intention is to promptly resolve this matter and seek justice for the undue financial burden caused by Synchrony Bank 's negligence. 

I kindly request the Consumer Finance 's intervention in this matter to thoroughly investigate the issue and ensure a fair resolution. I believe that I have fulfilled all the obligations as a customer and should not be held accountable for erroneous charges that are beyond my control.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-07-26 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I got a call from Credence Resource Management ( debt collector agency ) a supervisor name XXXX XXXX said i owe XXXX XXXX XXXX {$1000.00} from my address in XXXX XXXX, XXXX XXXX, CA back in XXXX which I dont reside anymore. I left that apartment I believe end of XXXX or beginning of XXXX. I reside now in XXXX, CA since XXXX. XXXX XXXX XXXX account # XXXX was given. I dont owe anything with XXXX XXXX XXXX  and have been a loyal customer, whom pays her bill on time for a long time. The agencys number is XXXX. I just saw right now that I made the same incident report from a different collector company a year ago, an agency named XXXX that I owe the same amount. That agency stopped contacting me. This credence resource is a new agency. I called XXXX XXXX XXXX in regards with this and filed another report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
I have experience trouble changing my home owners policy to a new vendor. In talking with my XXXX agent, I was offered saving on my policy due to bundling with my auto policy. I have uploaded the Insurance disclosure page to myinsurance portal to update the escrow account. In return, SPECIALIZED LOAN SERVICING, LLC has sent me text links to upload the documents. I have uploaded the one page document from my Insurance agent at XXXX beginning on XX/XX/1924, and XXXX. My agent has also uploaded the insurance disclosure 3 or 4 times since the policy was written. Every time I receive a text notification and email stating " We are unable to process you doc ( s ). Resubmit docs. '' Neither my XXXX Agent or I am able to successfully update the documents with SPECIALIZED LOAN SERVICING to date, and the updates must occur by the end of the month, XX/XX/XXXX, or it will not show I have insurance on my home. Both my insurance agent and I have not been given a phone number to call in our corespondences with this Mortgage Holder, and he pointed out this is unique. Without any phone number to call, neither of us have any option to followup except to keep submitting the documents through the myinsurance portal. Please let me know what I can do to expedite this matter before the end of the month. 

Thank you

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Personal Statement I was XXXX  for 8 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXXXXXX ), Account # XXXX ( XXXXXXXX XXXX ),. These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed immediately please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is to inform the reporting agency that I discovered some unauthorized inquiries on my credit report which violated my consumer right In Accordance with the FCRA section 611, I have tried to resolve this situation but nothing as happened please kindly remove the following inquiries from me report because i do not authorize them. 

XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
XX/XX/XXXX was when I made the first payment, that is, the financing. I did it with my cousin 's wife 's card because mine had been lost and had not yet arrived ( it was with my cousin 's knowledge ). Then, the weekly payments were made correctly, being these : XX/XX/XXXX, XXXX and XXXX, until reaching the month of XX/XX/XXXX. The payments from XX/XX/XXXX to XX/XX/XXXX, were invalid. 

On the XXXX, XXXX and XXXX of XXXX, the payments were made from my cousin 's wife 's account without me having any knowledge of it. I realized, when I didn't see the payments registered in my account. I immediately called and found out that they were using the wrong account. They were supposed to give it back but never did. On XX/XX/XXXX, my account was fully paid off. 

It happens that my cousin 's wife called her bank 5 days later to get her money back, without letting me know because we had agreed that I would make those payments, but Acima didn't let me know either.. 

I called realizing that my account was still open with an exaggerated sum approximately around {$1300.00} plus dollars. The only thing they told me was that I had to pay it because the XXXX-month term had already expired. 

My last call with them was this Wednesday the XXXX of XXXX, around XXXX. in the morning, which was the same answer. They have not wanted to make a fair payment agreement with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am attaching a letter of explanation on several issues with accounts, XXXX to be exact. One account I was never late on. Three accounts that are labled charge off with balances still owed and I know that is not accurate. I never recieved a 1099 for those so how can a balance be owed. Also an account that is not mine I have no idea why it is on my credit I have rights and want these items to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I cant access online banking. It always show need to contact Synchrony Bank. I called Synchrony many times but cant resolve the issues. Thay keep telling to check again and again and again but until now it doesnt works. Today I called again & still they telling me to try again after 3-5days. Its been almost 2 months no access with my account. Only online is the access for this account. They dont have physical bank. How can I get my money? Thank you.

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 2023-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
A negative item showed up on my credit report Account # XXXX from Jefferson Capital System alleging I owed them a debt in amount {$2100.00}. On the XXXX of XX/XX/2023, I requested a debt validation letter from Jefferson Capital on a negative item on my credit report. The so-called verification letter I received back from Jefferson Capital Systems lacks content and did not provide the following which I requested : A copy of the agreement authorizing Jefferson capital to collect debt on behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Jefferson Capital has violated my rights under 15USC 1692 Sec.809 ( b ). and did not show any lawful authority to collect on the alleged debt claim. 

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. 
I demand this negative item be roved from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: ME

Complaint narrative:
On XX/XX/XXXX th I was charged for a purchase that I did not make. On XX/XX/XXXX I noticed the charge and filed a dispute with my banking card. They told me they would get back to me within 48 hrs. They got back to me and stated that their was an error and the retailer credited my account and the credit was received on XXXX XXXX there was no credit received on the XXXX XXXX XXXX XXXXXXXX when I didn't file a dispute until XX/XX/2023. I tried several times to resolve this with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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