vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: NY

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 Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  Account Number : 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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I was told the information was taken care of and it would reflect on my account. However, that has not happened. No up dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing this account since XX/XX/2023. I never opened this account and it is under and social security number but not my name. I have written the company and sent certified letters to the company since XX/XX/2023 with no results. I have requested a copy of the papers or loan agreement with my name on it but no respond. I have disputed online with TransUnion and XXXX and no results. It did get removed from 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing this account since XX/XX/2023. I never opened this account and it is under and social security number but not my name. I have written the company and sent certified letters to the company since XX/XX/2023 with no results. I have requested a copy of the papers or loan agreement with my name on it but no respond. I have disputed online with XXXX and Experian and no results. It did get removed from 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent NOTORIZED affidavit to XXXX XXXX and Experian I have return receipts They never made CORRECTIONS to my address.

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 2024-01-18 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
i used a credit card in PAYPAL to pay for a product on XXXX. The seller never shipped the item and i never go the item paid.. I could open a case on paypal to get money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I have a charge of XXXX from Sunrise Financial that is related to and XXXX account I have never owned. 
I have never been associated with the physical address, the email address, or the phone number linked to this XXXX account.

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 2024-01-18 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: NY

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 Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX  Account Number : XXXX violated my rights XXXX XXXX Account Number : XXXX 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.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The Federal.Trafe Commission Bureau of Competition awards XXXX XXXX upon XXXX XXXXXXXX XXXX  oral contract to.pay said such award. Fees became part of the recipient 's award receipt. XXXX XXXX used my credit card as an option to pay for fees. He orally contract and typed a written texting and email that he will pay the bill. He researched for a scholarship program and therefore it would reduce said such fees as he orally contracted over the phone. His typed texts as written agreements that the scholarship program is to institute a process to receive said such Federal Trade Commission Bureau of Competition award. XXXX XXXX XXXX failed in stating the days to return and disconnection of service. It would need to be reconciled how the XXXX XXXX XXXX equipment would be disconnected and returned. Two other parties XXXX XXXX and XXXX XXXX XXXX are the financial backers and recipients of equipment. They owe the monies XXXX XXXX  XXXX has the dates for disconnection and return based the incorrect information that they stated 12 days to return and it is 21 days. The services are disconnected or if XXXX ate in operation then they owe. XXXX XXXX XXXX failed in properly identifying the process and kept me in a waiting period. As a customer for 30 years and the facts that others used my phone to receive free service.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WA

Complaint narrative:
I recieved a credit report fro LexisNexis. I disputed quite a few items and sent in my dispute. After XXXX weeks I sent a request as to when the changes to my credit report would be completed. I provided the Consumer Number XXXX and the Case Number XXXX. I was sent an email that said they couldnt verify my identity. The said to send a copy of my drivers license and a copy of my utility bill. Im not going to do this. Ive already sent that information. I want to know if LexisNexis recieved my dispute letter. I want to know when LexisNexis will complete the changes to my disputes. If I dont get the information Ive requested. I will wait XXXX months and request a new credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy 15 USC 1681, section 6o4a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no idea in regards to these late payments being reported on my credit 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased a ring from XXXX XXXX XXXX XXXX  NJ... Shortly thereafter I looked more into the company and realized it was a scam and the business location was a house in NJ... I then reached out to the company requesting a refund multiple times. 

Once I got no response I attempted to make a dispute with my Credit card company Synchrony bank, not only do they not have a streamlined process to dispute charges they also are not in adherence with Reg E... I have heard no response from the bank on this front and have been charged late fees and accrued interest on the amount being disputed. 

To recap the amount charged on my Sams club synchrony bank card ending in XXXX was {$130.00} on XX/XX/XXXX I filed a dispute shortly after on there website after I had to fill out a form as requested and when I ask customer service ( which is all offshore I may add ) I cant get an answer. They also state they will circle back within XXXX business cycles and that is not true as we are past that time frame. To add I disputed this charge XX/XX/XXXXdays after it was posted on XXXX please see attached form for more details

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 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The TJX Companies , Inc.

XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear sir, Today, XXXX, I went to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX to return the purchase on previous date, XXXX, which was {$6.00} after using {$10.00} gift certificate, sent by email, XXXX. The certificate number was XXXX ( XXXX ). I have returned this item and told the credit will be refunded on my credit card of Synchrony, ending number XXXX. The amount to be returned is {$10.00}. Later, I purchased several things, including a beautiful crystal tree which had the crystal bottom. I wanted to use two {$10.00} gift certificates ( # XXXX XXXX XXXX, # XXXX XXXX XXXX ) ; however, the casher said my two gift certificates were rejected. Since her attitude was nonchalant, I just answered her I would make complaint. I enclose two receipts of refund and purchase, including the copies of all three gift certificates. Unfortunately, this casher did not wear name card. So, I can not indicate her name. This is the second time with your company, that my gift certificates, which are my rewards have been rejected. Since I want to use them, would you send me usable gift certificate/card of {$20.00}. 

Sincerely,

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 2024-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: OH

Complaint narrative:
We were transferred to Panorama Mortgage Group in XX/XX/XXXX. The first payment was due on XX/XX/XXXX. We never received a statement through the mail from the company so we had to track down the company name, phone number, and where to send the first payment ourselves through the old mortgage company. After using the phone number that was provided to us, we were able to confirm with Panorama that the information was correct, we sent the e-payment on XX/XX/XXXX. We began receiving collection phone calls on XX/XX/XXXX saying that the payment was never received by Panorama. We sent in bank statements, the statement that was sent to us through email from a manager at Panorama and screen shots of the website where we had paid the first payment. It is now XX/XX/XXXX and not only are we still getting phone calls about this first payment, they have now " misplaced '' the payment that was paid on XX/XX/XXXX. We have done some of the leg work ourselves and found out that the first payment was made to their headquarters in Nevada under one account number and the second payment was made to a company with the same name in Arizona under another account number, however our personal information remained the same. They are now threating us with legal action and late fees on 2 payments when neither one was late. We have also sent in all the proof, including our personal bank statements, and proof of the account numbers that were used for the payments. They have said many times that this would be fixed and that the supervisors are aware there is a problem but it keeps kicked back to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive attempted to contact XXXX numerous times to alert them that I do not have a contract with XXXX XXXX XXXX, and that is not my address. They refused to remove it after I explained that it was harming my credit. I alerted them that I would pursue damages as well for violating FCRA laws governing consumers.

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 2024-01-18 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX i made a payment. Payment was reverse. I made a payment on XX/XX/XXXX to correct the payment that was reverse. Creditor still reported payment late on my credit report. 

These four dates are showing late on my credit report. I did a payment arrangement with creditor they fail to let me know that the arrangement was going to affect my credit report. I paid each month that creditor and I agreed on. 
XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: TX

Complaint narrative:
Checkr has unfairly delayed the return of my background check over information they already collected prior to the last time I lived in Kansas. Their excuse is the data breach in Kansas that occurred XX/XX/XXXX, but ironically I had to file a complaint about this same issue back in XXXX and their excuse was the same. Either checkr needs to better their process, or the state of Kansas needs to reactivate their electronic reporting. Its ridiculous in 2024 for a states electronic system to be reporting failur from XXXX through late XXXX. Its very clear that Kansas does not care how this affects people in the workforce, but its violating my rights under the 14 th amendment at this point as I can not work in another state due to Kansas antiquated manual reporting practices that are a direct result of the states negligence in repairing systems after their XX/XX/XXXX breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NC

Complaint narrative:
I was under the impression that these accounts would be deleted yet they remain on my report as write off or closed but I demand this be removed from all the agencies given the fact this was done without my consent

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Daughter has a loan with XXXX XXXX and we pay the monthly payment. XXXX XXXX has put it on my credit report that we were late in XXXX and I am only a co-signer and should come into to play if there was a default. 

Also, we have been affected by XXXX XXXX and my husband passed away XX/XX/2023 which is the same month of the late payment reporting. 

I asked XXXX to please have compassion for the situation and they would not remove the late payment

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 2024-01-18 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also remember that charge off accounts are treated as income since a 1099 was submitted in relation to the charged off account and income may not be reported on a consumer credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation