vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank closed a total of XXXX accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the XXXX Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my XXXX account due to various reasons. I have been a XXXX customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with XXXX. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my XXXX Account, Synchrony also closed the following accounts : XXXX XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Synchrony has tarnished my credit bureau reports and ability to now purchase a home! They need to update my credit report to reflect paid with a {$0.00} balance owed and adjust all balances to {$0.00} due to the severe damages to my credit report that they have caused.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please review the following inquires and account below. Please be sure to remove these following fraudulent items from my report. They do not belong to me and I would like it removed, My identity was stolen and i never granted any permission to any collector to access my 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 non-monetary relief
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

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 2024-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: NM

Complaint narrative:
I got a gym membership in XXXX of XXXX and stopped going the same year. I continued to get charged for the membership until XXXX when my debit card expired. I further recieved an email in XXXX of XXXX saying my account was going to be sent to collections to which I called the gym. They notified me that I was behind 3 months and owed around {$230.00} because of late fees. I explained my situation to the manager as I had not been to the gym in 3 years. They waved the late fees and I paid a total of around {$150.00} and some change for the 3 months I was behind as well as I cancelled the membership, this again took place in XXXX of XXXX. I continued to follow-up with the gym via phone as I sent a cancelation letter via XXXX until XXXX recieved the letter. They further let me know the letter was recieved and my membership was cancelled and I would not continue to get charged for it. I further recieved an email in XXXX of XXXX stating I missed a payment. I called the gym and the XXXX XXXX billing company ( ABC Fitness Solutions ) which the gym notified me that my membership was cancelled and I did not have a balance and this may be a glitch as the email also did not show a balance and rather a cancelation date. The billing companies automated system also stated I owed {$0.00}. 

In XXXX of XXXX my credit dropped around XXXX points to which it showed I had an account in collections. I called the collections company, XXXX XXXX XXXX, that stated the debt was from Anytime Fitness XXXX. I further called the gym which were able to send me documents ( that I didn't recieve prior ) showing my cancelation date being XXXX of XXXX as well as the cancelation letter I sent via USPS. The gym however stated they could not provide me with any further documentation as my account was in collections and it would not allow them to view my account to retrieve documentation such as my signed agreement or payment history. 

I further called the billing company, ABC Fitness Solution, who on multiple occasions said they would email the documentation requested to me but have failed to do so. When following up, they stated they were not allowed to send the documentation and whoever I talked to prior misinformed me. I was able to talk to someone else who stated they would email the documentation to me but have still failed to do so. 

I did further ask the billing company if I paid the account in collections if my membership would stay inactive and all my debts would be paid. They stated when I pay the collection agency that they will reactivate my membership and start to charge me monthly again until I attempt to cancel it and pay again to cancel the membership. 

I do have documentation of the payments I've made as well as the cancelation paperwork and the letter I sent to the gym in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to investigate : 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 Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to investigate : 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 Thank you for your attention to this matter.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
Delete account number XXXX and account number XXXX. I am writing to dispute an unauthorized accounts with Aldous and Associates. I have no contract with them and believe this account is a result of identity theft, possibly stemming from a recent data breach. I have registered with IdentityTheft.gov and request that Aldous and Associates provide proof of contractual debt and how they acquired my identity. Since they have not verified this information, I demand that this account be removed from my credit report immediately. They are in violation of 18 USC 1028 and UCC 3-401 and 15 USC 1601-1667 by not giving me full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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.

1. Account Name : XXXX Account Number : XXXX Issue : unauthorized 2. Account Name : : XXXX  XXXX Account Number : XXXX Issue : unauthorized 3. Account Name : XXXX Account Number : XXXX Issue : unauthorized 4. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized 5. Account Name : XXXX Account Number : XXXX Issue : unauthorized 6. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized 7. Account Name : XXXX  XXXX Account Number : XXXX Issue : unauthorized 8. Account Name : XXXX XXXX  Account Number : XXXX ssue : unauthorized 9. Account Name : XXXX XXXX XXXX  Account Number : XXXX Issue : unauthorized 10.Account Name : XXXX XXXX  Account XXXX : XXXX Issue : unauthorized 11. Account Name : XXXX XXXX Account XXXX XXXX : unauthorized 12. Account XXXX : XXXX Account XXXX XXXX : unauthorized 13. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized My rights have been violated 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 non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

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.

1. Account Name : XXXX Account Number : XXXX Issue : unauthorized 2. Account Name : : XXXX  XXXX Account Number : XXXX Issue : unauthorized 3. Account Name : XXXX Account Number : XXXX Issue : unauthorized 4. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized 5. Account Name : XXXX Account Number : XXXX Issue : unauthorized 6. Account Name : XXXX XXXX Account XXXX : XXXX Issue : unauthorized 7. Account Name : XXXX  XXXX Account Number : XXXX Issue : unauthorized 8. Account Name : XXXX XXXX  Account XXXX : XXXX ssue : unauthorized 9. Account Name : XXXX XXXX XXXX  Account Number : XXXX Issue : unauthorized 10.Account Name : XXXX XXXX  Account Number : XXXX Issue : unauthorized 11. Account XXXX : XXXX XXXX Account XXXX Issue : unauthorized 12. Account Name : XXXX Account NumberXXXX Issue : unauthorized 13. Account Name : XXXX  XXXX Account Number : XXXX Issue : unauthorized My rights have been violated 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX  XXXX XXXX {$270.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-20 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:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.

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