vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
When I investigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate this account. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: OR

Complaint narrative:
Despite providing direct proof of payment in full for multiple loans via XXXX, my credit reports were updated to " Information is current and accurate '' which is false. Here is more proof of payoff in full PDFs that are pulled directly from XXXX. In addition, one of my XXXX accounts was sent to collections ( XXXX XXXX ) and it was paid in full as well. The reference number for that payoff and date are as follows ; Confirmation XXXX, Date XX/XX/2023. None of the info included has been reflected on my credit reports and continues to be 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 non-monetary relief
Consumer complaint received 2023-03-07 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: OR

Complaint narrative:
Despite providing direct proof of payment in full for multiple loans via XXXX, my credit reports were updated to " Information is current and accurate '' which is false. Here is more proof of payoff in full PDFs that are pulled directly from XXXX. In addition, one of my XXXX accounts was sent to collections ( XXXX XXXX ) and it was paid in full as well. The reference number for that payoff and date are as follows ; Confirmation XXXX, Date XX/XX/2023. None of the info included has been reflected on my credit reports and continues to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX VIA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXX WY XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX WY XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between Capital one and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX loan through Capital One was totaled and written off in XXXX. I had GAP insurance on the vehicle through XXXX XXXX to pay off the remainder of the loan. 

Capital One still has an open balance for me for {$380.00} when the total remaining balance should have been paid in full by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: 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 XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX XXXX  XXXX : # 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 2023-03-07 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: AZ

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Which are UNKNOWN to me. This complaint is my follow-up attempt to ensure that the listed items are ultimately removed from my credit report due to their erroneous status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Which are UNKNOWN to me. This complaint is my follow-up attempt to ensure that the listed items are ultimately removed from my credit report due to their erroneous status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account # XXXXXXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX - Account # XXXXXXXX XXXX  XXXX - Account # XXXXXXXX XXXX - XXXX XXXX- Account # XXXXXXXX XXXX - Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX XXXX XXXX- Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX HAS ALL 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 that 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 any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account # XXXX XXXX - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX  - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX  - Account # XXXX Dept of EDXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX  - Account # XXXX XXXX XXXX of XXXX - Account # XXXX XXXX XXXX XXXXk - Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX Account XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX Affirm Inc- Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX HAS ALL 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 that 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 any consumer reporting agency if the person knows or has reasonable causes 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 2023-03-07 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: LA

Complaint narrative:
When I investigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate this account. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony Bank XXXX credit card Transaction date : XXXX Amount in dispute : XXXX ********************************************************** Explanation of complaint : Made payments of {$990.00} and XXXX over and above the " minimum due '' to pay the full principal amount remaining on expiring promotions. However, come to find out that heir system does not apply payments to an expiring promotion, it allocates them across all transactions, nor does it take an adequate amount through " auto-pay '' to cover expiring promotions. This despite the fact that their auto-pay enrollment pitch includes claims that you '' never miss a payment '', etc. Which is just a deliberate half-truth. You won't miss a payment, but they won't allocate those payments so as to prevent the promotional balance from defaulting so they can assess the deferred interest. 

Customers have to call in, fight their way through an automated phone system, hope to get a live representative that is actually helpful, and then request that payments over-and-above the minimum billed as due for the month be applied to the expiring promotions. If you do not do so, Synchrony 's system allocates the payments across all balances and assesses the accrued interest charges on the expiring promotion ( s ) ( supposedly no-interest for varying periods ranging from 6 mos to 36 mos if timely payments are made ). 

In addition, sending any payment greater than the minimum due ( i.e. the full amount of an expiring promotional balance item ) prevents the auto-pay from occurring, causing further issues. It is all unfair and deceptive!! They have made it as difficult as possible to avoid having the interest assessed on expiring promotional balances despite making all payments on time. I don't think any of it is any accident. 

Business Name : Synchrony Bank - credit card XXXX XXXX XXXX XXXX, FL XXXX Bus Phone : ( XXXX ) XXXX Website : 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 monetary relief