vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I called XX/XX/XXXX to inquire why there was a balance of {$11.00} when I was issued a credit for a late fee? I got XXXX who immediately start asking me what the credit was for and insisted she couldn't help me unless I answer her questions. I had ALREADY told her it was for a XX/XX/XXXX late fee and repeated the confirmation number, asking if she had it on record. She said she was a Synchrony customer service representative and didn't care about the confirmation number. I invite the company executives of Synchrony to listen to the recorded conversation.

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 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
After my previous complaint to which I provided a response today I have anther reason to file complaint - unauthorized closure of my membership with Sam 's Club. My membership was paid with XXXX XXXX credit card and not Synchrony bank credit card which I obtained much later. Yet I received a notice from Synchrony bank that my Sam 's Club membership had been closed effective XXXX XXXX, XXXX  due to inability to " automatic renewal. '' Since payment as made with a credit card from XXXX what authority Synchrony bank has to cancel my membership unliterally?!

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XX/XX/XXXX, I requested Validation and Proof of Claim from LVNV Funding for the XXXX accounts : XXXX and XXXX via mail. LVNV Funding 's response lacked sufficient information to verify the debt, and I was not given the opportunity to dispute it. Under the FDCPA, I have the right to request full validation of this debt appearing on my credit report. Information has not been provided for either account. I only received XXXX letter from LVNV Funding regarding the XXXX accounts they have reported on XXXX, XXXX, and XXXX. The additional information that I asked : Complete payment history, the requirement of which has been established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity My full, complete and correct social security number that may
help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 



Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 



Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 



Proof that this debt has not been written off as a tax liability. 



Any other intimate knowledge of the creation of the debt by you, the collection agency. 



However, the company did not send me the information by mail or give me enough time to respond before reporting this debt to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-20 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: MD

Complaint narrative:
I am writing to express my serious concern about the disputed accounts on my credit report. I have repeatedly highlighted the inaccuracies in these accounts and requested a thorough investigation, but despite my efforts, the issue remains unresolved. These incorrect entries are significantly damaging my credit file and severely affecting my ability to maintain a normal life. The hardships caused by these errors are immense, and I am left with no option but to seek your urgent help in resolving this matter. 

I kindly ask that you conduct a comprehensive investigation into each of these disputed accounts and take the necessary steps to update and correct my credit report without further delay. Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial well-being. I sincerely urge you to treat this matter with the utmost importance and take swift action. 

Your prompt attention and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: HI

Complaint narrative:
I have never been a customer of Chime ir XXXX XXXX  and have never submitted information to them. 


XXXX received welcome to chime email and you will be expecting a debit card in the mail emails. Email had name and personal information Ongoing emails every XXXX days about my chime account XX/XX/year> - received email stating you should have received your new debit card. Please activate XX/XX/year> called Chime customer service to have fraudulent account closed. Customer service asked a lot of personal information. I asked to speak to their fraud unit. They transferred me to consumer protection unit and confirmed my email address and name is associated with an account. I requested closure of this fraudulent account. The rep refused to close the account and instead just switch the email from XXXX to XXXX. Saying you should not receive any other emails from chime. I voiced my concerns but he refused to give me any additional information or assistance. 

After the call I received an email that my accounts email address has been updated to XXXX. 

Im reporting fraud and am requesting that this account is closed, my information deleted from chimes data warehouse and confirmation that these occurred. 

Additionally, my credit files are frozen and I have a fraud alert attached to my file. Even with all of this, someone was able to open an account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a deputy on XX/XX/2024 and the file number is XXXX regarding credit card that does not belong to me or have I authorized anyone to put me on their credit card. 

I received a letter from this company who is supposed to be XXXX XXXX. In their letter they didn't provide any proof the account belongs to me just saying they want to remove from the account. I called Equifax on XX/XX/2024 @ XXXX and talked with XXXX XXXX XXXX XXXX telling him about the letter and asked did I need to send the letter to them and all he said was it was under investigation. I explain to XXXX that my credit reporting is has account number on it XXXX. But the letter does not reference that account number at all. 

Equifax is not handling my account properly or trying to collect any information from that I can show that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I contacted the company ( Key 2 Recovery Inc ) and was advised that do not send verification of debts. Additionally, the representative claimed the debt is 100 % mine although she did not allow me the opportunity to review any documentation. This is misleading and a tactic to enforce me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX -- - XX/XX/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 EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The credit report shows the following : XXXX have received reported payments up to XX/XX/year>. 
XXXX have received reported payments up to XX/XX/year>. 
XXXX have received reported payments up to XX/XX/year>. 
My mortgage payments is not accurately being reported to the credit reporting agencies each month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
COLUMBIA DEBT RECOVE Last reported XX/XX/year> {$780.00} Open balance COLUMBIA DEBT RECOVE Original creditor Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Account previously in dispute - Now resolved by data furnisher Original creditor name COLUMBIA DEBT RECOVE this account was open under my name without my consent I had never leave or move in to that appartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
MY CREDIT SCORE WAS LOWER DECREASED FROM A MISTAKE REPORTED TO ALL 3 CREDIT BUREAUS XXXX EQUIFAX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-20 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/2021 ( credit Collection Service ) Progressive XXXX is reporting inaccurate information on my credit report. I do not owe this balance and I have requested that this creditor remove this inaccurate information immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute a late payment reported on my credit report related to my XXXX loan account number XXXX. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute a late payment reported on my credit report related to my XXXX loan account number XXXX. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation