vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had multiple synchrony bank Store credit cards. I pay most of my balances in full each month. I've had XXXX or XXXX cards with a small running balance. Synchrony doesn't like that I pay everything in full each month because they don't make the excessive interest that they try to charge. So what they do is send false claims stating that I had derogatory marks on my credit report, and they started to lower the credit on my cards which adversely affects my credit score. I therefore paid everything in full and closed mostly all of MySynchrony cards with the exception of XXXX, which will be paid in full and also closed. I closed PayPal credit PayPal XXXX XXXX, CareCredit, JCPenney, TJ Maxx, Lowe 's, XXXX XXXX and HSN, and QVC. This is the only bank that does this. I have accounts with XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX I have never had this problem with other banks. I have very good credit no derogatory marks no late payments and no collection activity. My credit utilization is 13 % to 15 %. Synchrony bank is the only one that does this. They should not be allowed to issue credit cards because they use unfair practices when they don't get the interest that they want to charge.

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 2024-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.

Complaint narrative:
Cash App closed my account in XX/XX/2023. They have said to this day they are reviewing my funds ever since. Every single contact I try make they copy paste same response. Account closed balance under review copy of complaint procedure. They have not followed their own procedure or deadlines and absolutely nothing has been done to review the account in almost one year. I was basically mocked via email from a supposed manager. I explained I have a XXXX XXXXXXXX and can not understand yet they continued to ridicule me and send same response over and over and over. They are holding valid funds with no end in sight. They have never initiated contact and when I do I get same generic response no movement or further forward in nearly 1 year

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 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 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This does not belong to me. This was in result of an identity theft. Someone stole my identity while I was away serving my country. I have no knowledge of who did this.

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 2024-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
XXXXXXXX XXXX  account was fraudulent. I've never owned a XXXX cell phone. XXXX confirmed this is not my account. I have requested removal but the account continues as a collection. I sent police fraud report copies of my current address and XXXX bills showing I live in Arizona. This account was created on the XXXX XXXX of the XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I opened an account XX/XX/year> with CREDIT ACCEPTANCE CORP Account # XXXX and set up monthly reoccurring bank draft so that the automobile payment would be paid on time automatically. For several months CREDIT ACCEPTANCE CORP would intentionally deduct the payment from my account days late and some months forget to deduct at all and the funds where available in the bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mobiloans, LLC
State: CA

Complaint narrative:
Requested proof that this debt belongs to me over 3x 's with no reply

Company response to consumer: Untimely response
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
In XXXX, I received an offer from American Express that arrived via email or the USPS. ( I have been an AmEx customer for many years. ) The offer was : that I apply for and receive a XXXX XXXX XXXX credit card and spend {$15000.00} on the card within XXXX months. AmEx would then pay me a {$750.00} bonus as a credit to the account. 

I fulfilled the terms of the offer clear as a bell. The account opened in XX/XX/XXXX and by the XX/XX/XXXX statement, I had charged much more than the {$15000.00} offer requirement. So I should have received the {$750.00} bonus at that time or soon thereafter. 

When I did not receive the bonus, I contacted AmEx on XX/XX/XXXX and it claimed it had no record of the bonus offer. The service rep started a " case '' ( reference # XXXX ) to investigate my complaint, but I never heard any reply from AmEx. 

Today, I contacted AmEx again, and it now says that " no offer is attached to my account '', but the rep said she would start a new complaint " case ''. 

I have XXXX trust in AmEx at this time and would like the CFPB to investigate/inquire about this on my behalf. I knew about the offer due to AmEx 's promotional mailing, and I fulfilled the terms it specified. I now rely on the CFPB to shame AmEx into living up to its obligations. 

Many thanks for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 2024-04-28 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I consistently make on-time payments, of which I'm certain. However, I'm unsure why this company reports me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected, or they'll owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I consistently make on-time payments, of which I'm certain. However, I'm unsure why this company reports me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected, or they'll owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Bassett furniture provided a 36 month 0 % APR financing for their charge card I was approved for. The associate and their manager confirmed that no interest would be charged to my account as long as I paid off my balance during the promotional period but there was multiple instances that showed my statement charged interest that should have never accrued on my account and after paying off the card, there is a {$14.00} balance they have been charging me {$2.00} each month since I paid my account off. That {$14.00} charge has now led to collection status on my credit and negative marks on my credit as well. I have conversation where the associate said this will be fixed but it has not and now Im reaching out to you all to get them to remove the derogatory marks from my credit and the balance owed on this card as they are not viable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX is reporting information all of my credit files that is inaccurate. Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with XXXX XXXX is showing XXXX different dates. 

My XXXX credit file is showing XX/XX/2019 as the date the account was opened. XXXX is showing that my account was opened on XX/XX/2019 and EQUIFAX is showing that my account was opened on XX/XX/2019. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due the job and facilitate this issue so I can regain my financial freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX is reporting information all of my credit files that is inaccurate. Per XXXX5 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with XXXX XXXX is showing XXXX different dates. 

My XXXX credit file is showing XX/XX/year> as the date the account was opened. EXPERIAN is showing that my account was opened on XX/XX/year> and XXXX is showing that my account was opened on XX/XX/year>. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due the job and facilitate this issue so I can regain my financial freedom.

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 2024-04-28 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: CA

Complaint narrative:
I filed with your agency approximately XXXX months ago. In my initial complaint, I clearly stated that the accounts listed below are not mine. Despite providing numerous pieces of evidence to support these inaccuracies, I have yet to receive any proof of how TransUnion validated these accounts within the designated XXXX period. 

I am deeply concerned about this process 's prolonged and frustrating nature, which has affected me and placed a significant strain on my family. I kindly request your immediate attention to rectify this situation by removing the following accounts from my credit report : XXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX In addition according to 15 U.S. Code 1681e - Compliance procedures Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please delete the accounts above from my account immediately if this is not done I will have to involve a lawyer and take further legal action to rectify this situation.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Apple Card is reporting information all of my credit files that is inaccurate. Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with Apple Card is showing XXXX different dates. 

My XXXX credit file is showing XX/XX/2019 as the date the account was opened. XXXX is showing that my account was opened on XX/XX/2019 and XXXX is showing that my account was opened on XX/XX/2019. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due the job and facilitate this issue so I can regain my financial freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: AR

Complaint narrative:
I am writing to file a complaint regarding inaccurate reporting by the credit bureaus, specifically EXPERIAN, XXXX, and XXXX. The issue stems from the inclusion of more than several accounts on my consumer reports that have surpassed the statute of limitations for debt collection in Arkansas, which is set at 5 years and for medical debt it is 3 years. Each account that will be uploaded to this portal has reported charge offs for more than 5 years straight. Some 6 years. Despite the expiration of the statute of limitations, these accounts are still being reported, misrepresenting my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has the potential to harm my financial standing and is a clear violation of consumer rights. I request the Consumer Financial Protection Bureau 's intervention to address this matter promptly. I urge you to investigate this issue and ensure that the credit bureaus comply with federal regulations by removing the inaccurate accounts from my credit report. Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtein credit.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, a 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 XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, a the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can 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 XXXX 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