vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear, Transunion Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2023-04-23 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: GA

Complaint narrative:
Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, Equifax, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: TX

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 1681e ( b ). XXXX XXXX XXXX XXXX Account number XXXX XXXX Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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, 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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was in Covid foreberance. I understood first month would respite late but didnt know for 11 months. It doesnt indicate I was in forbearance. So it looks like I didnt want to pay my mortgage. Now I cant even get an apt

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 2023-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank Over the past 10-12 mos, Synchrony Bank has made it impossible to login to my account to access and make payments. I login, then it logs me out. Then the chat assistant pops up in an attempt to help me. After I have made 9-10 steps sometimes I can get in and most of the time I can't. I think this an attempt to charge additional fees and to ruin my credit if I allow this to happen. Which I won't. Please help me in getting restitution and to make Synchrony follow the preset guidelines to let consumers access their online account information with out speaking to someone in another country that has no clue what I am talking about on the phone. There is no reason I should not be able to speak with a live agent and have them work out the delima they have created. 

I need this fixed. 

Thank you, 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 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
My identity was stolen on XX/XX/XXXX. I was unaware of it until I saw it on my credit and disputed it around XX/XX/XXXX. I was called regarding it from the collection agency and reported that it was open fraudulently and told them over and over again and they said they were going to take care of it. It came off my credit around XX/XX/XXXX. I never saw it on my credit. five years later XX/XX/XXXX of XXXX they reopened it on XX/XX/XXXX. They are now continuing to call me, They are harassing my family. They have repeated my Social Security back to me over the phone and threatened to track me down and told me that I needed to appear in court in a state Ive never been. I have not received paperwork. They told me that they ran my credit, it is NOT accurate. I have disputed it over 10 times. I proof of when it was opened and when they reopened it five years later. and the date that I have disputed it in XXXX. I dont feel comfortable with the situation. I am a victim of identity theft. this was disputed five years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: GA

Complaint narrative:
I was under a bankruptcy stay on XX/XX/2019 yet a XXXX XXXX XXXX Account ( starting with XXXX ) is showing a late payment during this stay. This is illegal and a clear violation. Account on Experian Credit Report needs to be fixed to show payment status current or entire account removed.

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 2023-04-23 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: GA

Complaint narrative:
Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 Transunion, XXXX, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.

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 2023-04-23 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: GA

Complaint narrative:
Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, XXXX, Experian is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.

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 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UMB FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have received a bill in the mail for a phony Visa card that I do not have. The Visa bill makes no reference to a business or company that would make it legitimate, such as a gas station visa, a department store visa, or an airline visa.The charge they are showing is {$160.00}. The bill is from XXXX XXXX XXXX in XXXX and is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NOTICE OF DISPUTES I've tried numerous times to remedy this with TRANSUNION. TRANSUNION has done nothing except delay. They had earlier said that the accounts had been verified. I am once again requesting that TRANSUNION give me with documentation indicating that I am LEGALLY OBLIGATED to pay this supposed debt. TRANSUNION has received identity information on several occasions. Please take in mind that this is causing financial difficulty. Failure to reply in an appropriate and lawful manner will result in further legal action. Failure to react within 14 calendar days will be seen as your acceptance of the debt 's illegitimacy. Please confirm and give evidence that I am " LEGALLY OBLIGATED '' to meet these apparent commitments. " HAVE BEEN VERIFIED '' is a basic response. Respectfully delete the following immediately : 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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX  or XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.

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 2023-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a XXXX branded credit card thru Capital One. My complaint is based on Capital One 's deceptive billing and late fee processes. In XX/XX/2023, I had a balance of {$2000.00}, I made a payment for {$200.00} or 10 % of the total balance. After the payment was made, I was informed that my payment was late? I contacted the Capital One to address the concern. They stated that I was reported late based on still owng {$55.00} and an added {$29.00} late fee? I was surprised to hear that the payment went up. I made the payment of {$55.00} totaling {$250.00} for the month. My payment was settled. At that time, I asked the representative, that if I make the same payment ( {$250.00} ) for next month will I be ok, she confirmed. Instead, I made an XXXX payment for {$270.00} to be safe. After that payment I was emailed and texted again that my XXXX payment was late? I contacted the customer service line. This time they increased my late fee to {$40.00}? They stated that because of the XXXX late fee ( although waived ) the payment increased to {$300.00} ( 20 % increase ) for the month? I asked how can this be? The costumer rep stated that although I made the payment to cover the XXXX payment and the fee was waive the XXXX payment does not adjust causing the higher payment and new late fee? I asked how is that legal when the account was made current? They explained " their systems '' do not work that way? Due to this process, consumer misinformation, increasing late fees, and added time and cost, I feel it appropriate for a higher authority look into this company 's billing practices. In today 's economic times of rising rates and payments, Corporations need to do a better job of informing customers of their internal changes and policies that can impact a consumer 's credit profile and ability to have financial options. Through calls with customer service reps and supervisors it appears this company is more focused on charging high fees thru deceptive and predatory practices ( fee charged on late fees ). Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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.

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 2023-04-23 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: TX

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 1681e ( b ). XXXX XXXX XXXX XXXX  Account number XXXX .... Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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, 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 non-monetary relief
Consumer complaint received 2023-04-23 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: TX

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 1681e ( b ). XXXX XXXX XXXX XXXX  Account number XXXX .... Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is regarding Dispute XXXX. I returned the merchandise using the merchant 's XXXX  prepaid return label. XXXX misdelivered/mishandled my return to the merchant and the merchant is refusing to refund despite it being their prepaid return label, they should have to file a claim with their return carrier XXXX and refund me. I submitted photos of the merchandise still sealed in the original box and i re-taped it and attached the prepaid return label exactly as i received it, and i took photos of all that too, showing proof that i did in fact return the merchandise. I also kept the XXXX  drop off receipt and provided that too showing the package weight etc. American Express sided with the merchant I think for discriminatory purposes because I am XXXX they somehow believe the merchant 's story that they received a different item and its somehow my fault. I literally provided photo evidence I returned and sealed the box with the original items from the order inside the return shipping box. The merchant has not provided us a photo of the original box i shipped the items back in, because they or their return carrier have mixed up my return package with another one their warehouse received. The merchants return carrier mishandlig or mixing up or misdelivering my return to them is not my problem, they need to file a claim with their return carrier and issue my refund. American Express has not asked me for any additional evidence and there is not much else I can provide except for photos i already provided proving the items were in fact inside the box that i returned. the disputed amount is {$3700.00}, on Amex account XXXX, transaction date XXXX XXXX XXXX merchant XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian illegallly assigend an account to me with out proving authenticity and accuracy. XX/XX/2021 actual amount paid is missing ; What is the scheduled payment amount for XXXX, what is the high balance? What is the monthly payment? Balance for XX/XX/2021 is missing? Delete this account immediately.

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