vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have accumulated {$190.00} in rewards on my XXXX XXXX Credit Card, issued by Synchrony Bank. Despite multiple attempts to redeem these rewards into my XXXX XXXX, the funds are not transferring successfully. 

I have contacted Synchrony Bank multiple times to request an alternative redemption method, such as receiving a check for the {$190.00} rewards. Unfortunately, Synchrony Bank has been unable to assist in resolving this issue. 

I am filing this complaint to request that Synchrony Bank issue a check for the {$190.00} rewards balance.

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 2024-11-03 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-11-03 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-11-03 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The report on equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  open original balance {$500000.00}. Balance owed {$18000.00} over 120 days past due account number XXXX. On the same report it list XXXX XXXX XXXX  in which purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX closed account paid account as agreed original balance {$500000.00} balance owed {$0.00} however it shows in XXXX  as late payments in XX/XX/23, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XX/XX/year> XXXX. XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 30 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XX/XX/year> 2. XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 30 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
On XXXX XX/XX/year> my direct express account was closed due to scammers trying to invade my account and Ive been trying to submit my ID for verification to open back my account but they keep denying my ID and that has made me homeless causing me to sleep in my car and not being able to pay my bills. I need Direct express to verify my ID so I can activate my card this is really important. They keep asking for my Birth certificate after I sent my valid ID card and my social security card I dont have a birth certificate and if I must get one I cant access my money to pay for it right now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have attached several documents for your review in regards to my complaint. The following credit reporting agencies are taken advantage of my by reporting several INACCURATE ACCOUNTS and Fraudulent Inquiries on my report. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: OK

Complaint narrative:
I was looking into a pay day loan and this company got my information and deposited {$500.00} into my account. I admit to looking into these types of loans, but did not take one out, or sign for this. This is a scam and others have reported it online as well. The interest is 770 % and they have taken over {$900.00} out of my account that I did not give them and the payoff is {$600.00}. This is a fraudulent company and they do not return correspondence regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX. I am a survivor and victim of XXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my trafficking experience. FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of XXXX XXXX or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a XXXX  survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured. Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXg debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete all following accounts list Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am writing to you because there are unauthorized charges on my credit report regarding a company called LVN these charges are not accurate nor that I do these charges at all Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$910.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
On XX/XX/year> I was referred to " Acima Leasing '' by one of their participants for a purchase. 

Prior to signing up and applying for a lease to own with Acima I was told by the employee that Acima Leasing reports payments to the credit bureaus ( which was the main reason I applied due to me building credit ). I then double checked and all advertising seen for Acima stated that they report to the credit bureaus/Credit building company . 

My purchase amount was for {$550.00} by making payments of {$35.00} every other week with a early buy out option. 

This complaint is being submitted for receipt of a 2nd attempt of effort and negotiation with Acima Leasing and affiliates, before escalation if needed. As a consumer it is my legal right to have all contracts like the one with Acima to be Fair and contingent with advertising and agreement with certain conditions being met. In this case, I have upheld my bargain of the agreement between myself and Acima by making the bi-weekly payments. However Acima Leasing has NOT done the same and has operated and conducted themselves in Negligence, Unfair business Practice and Trade, False Advertisement, and purposely failed to conduct business by fair measures by misleading and lying about the terms and agreements.

By law my contract with Acima Leasing has been breached by Acima Leasing by 1. Not reporting to the credit bureaus as stated and promised. 2. Not upholding or communicating in regard to options that are beneficial to me the consumer ( ie : Early buy out option ) I was actually told by an Acima representative that they do not remind ( No emails, Texts or calls ) consumers of when their early buy out option is available, even though consumers have multiple chances of early buy out options, I was told consumers only had one chance. 3. Due to unfair business practice I have no paid over the early buy out option 4. False and misleading scare and extortion tactics by sending emails and reminders as well as phone calls falsely claiming that my lease has " expired ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX and XXXX  XXXX is illegally reporting payment transactions on my consumer reports in Experian, XXXX and XXXX .Below are the accounts I'm referring to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past due : 30 Days Date : XX/XX/XXXX Experian XXXX XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX  XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: NC

Complaint narrative:
Carmax is reporting false information to all three bureaus. None of the information matches on neither of the XXXX bureaus reports. Previously they said they sent out the necessary information after they took the car back, but didnt even have the address correct for me to receive on the documentation. I never received my 1099-c from them to this day nor any other information they are claiming to have sent. Carmax wrote off {$15000.00} of the {$15000.00} that they said I owed, which would give them a tax break requiring them to send me a 1099-c for my tax purposes and documentation as well. They also sold the car for {$8000.00}, and have on my credit report that there is a balance of {$7700.00} on my account. That would mean they would get double the amount of the car in the end, which would be committing fraud since technically as put on my credit reports that {$15000.00} was already written off per them and the original amount of the car was {$17000.00}. I also would like them to produce the contract with my wet signature that they are going by so that I can compare it to the one I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX and XXXX  XXXX is illegally reporting payment transactions on my consumer reports in XXXX, XXXX and Transunion .Below are the accounts I'm referring to : XXXX XXXX XXXX XXXX  XXXX XXXX Accoun XXXX XXXX XXXXXXXX Past due : 30 Days Date : XX/XX/XXXX XXXX XXXX XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX Transunion XXXX XXXX XXXX  Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX  XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX and XXXX  XXXX is illegally reporting payment transactions on my consumer reports in XXXX, Equifax and XXXX .Below are the accounts I'm referring to : Equifax XXXX XXXX XXXX  XXXX XXXX Accoun XXXX XXXX XXXXXXXX Past due : 30  Days Date : XX/XX/XXXX XXXX XXXX XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX  XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief