vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Sams credit card online. I was approved. I never received the card. All of a sudden Synchrony Bank calls me about the card. On XX/XX/21 someone charged XXXX at Walmart and {$24.00} at XXXX XXXX. They are saying that the card was activated by my home number. Impossible! I think someone XXXX  my home number. They will not take the charge off. If you XXXX  my name my home number shows up and I wasn't even aware of spooking but 1 of the synchrony agents told me about it. I have been disputing these charges since XXXX. Please help. I have always been a good customer to synchrony and always paid my credit card bills.

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 2021-07-11 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: PA

Complaint narrative:
I have been notified that my information was breeched from several companies. I have recently noticed that request to review my credit was completed but not by me requesting anything. This request was not authorized by me. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Everyday, Midland Credit Management flags my account as collections and threatens a lawyer, I get repeat robo calls from them daily. XXXX  is dropping my credit score every single day since Covid-19 pandemic started, causing for companies like SBA not approve loans for my small business.

Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. 

All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter. 



MIDLAND CREDIT MANAGEM has flagged your account as Collections on XX/XX/2021. 

Source : XXXX  Company : MIDLAND CREDIT MANAGEM Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX XXXX Collections ) Balance Date : XX/XX/2021 Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: AZ

Complaint narrative:
On XXXX XXXX XXXX My credit score was increased by 77 points on my TransUnion account due to a Balance decrease on my Home loan ( XXXX XXXX ) of {$540.00}. On XX/XX/2021 the same report was filed, a decrease in my Home Loan amount of {$570.00}, however my credit score dropped 55 points. Also, On XX/XX/XXXX an inquiry was removed from my credit report for being two years old. As stated on the report. " their eventual removal doesn't usually have a big impact on credit scores.

Is this removal causing my credit score to plummet 55 points? If this is the case I chose to keep it on my credit history. 

There is no other explanation as to why the decrease in credit reporting on XX/XX/2021. An explanation is warranted and correction if possible.

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 2021-07-11 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: PA

Complaint narrative:
I have been notified that my information was breeched from several companies. I have recently noticed that request to review my credit was completed but not by me requesting anything. This request was not authorized by me. Please delete this information

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 2021-07-11 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: TX

Complaint narrative:
I have no knowledge of this account, nor account number I believe I have been a victim of Identity thief. 

XXXX XXXX XXXX Original creditor : 11 XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX creditor : 07 XXXXXXXX XXXX  {$1500.00} XXXX XXXX XXXX Original creditor : 11 XXXX XXXX  {$1500.00}

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 2021-07-11 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: TX

Complaint narrative:
I have no knowledge of this account, nor account number I believe I have been a victim of Identity thief. XXXX XXXX XXXX Original creditor : 11 XXXX XXXX {$1500.00} XXXX XXXX XXXX Original creditor : 07 XXXX XXXX {$1500.00} XXXX XXXX XXXX  Original creditor : 11 XXXX XXXX  {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I spoke to them and told them i paid off but they keep try to charge more and we had worked out a deal if i paid what i paid it would be closed but they are just greedy and keep wonting more and more and i told them every time they call they are paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On Monday at XX/XX/21 at XXXX I purchased a Vanilla Visa Gift Card for {$200.00}. There is a {$6.00} Purchase charge so {$200.00} total. I have the card on me and when I call in, I'm informed that I have a balance on the card. I can't use the card. Vanilla has informed me that someone has said that the card should be locked. I don't understand how that is Possible because the card wasn't even open yet. When I called Vanilla to explain all this. They told me that I need to send them a picture of my government ID, a picture of the gift card front and back. As well as a receipt of the purchase. I have all these things. However, they were suppose to email me a portal to send all this information too. My email is XXXX. They haven't sent me anything. There is nothing in my spam account. They keep saying check all mail and spam and nothing comes up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TRANSUNION CONTINUALLY REPORTS A FORECLOSURE ON MY CREDIT REPORT. 

I have nothing to do with ANY foreclosure ; NONE of my assets have ever been foreclosed upon. 

Please REMOVE this erroneous 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 2021-07-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NV

Complaint narrative:
I have the Way2Go card from nevada. I can not activate it because the information they have for the card does not match my SSN or DOB. So I am without money last week, and now probably this week ... I have used the website to try and solve this, I have used the app, and I have tried calling. 

The fact that the company can not even connect a card they sent me with my name on it, with my correct information. Makes me feel like I can't trust them with any information ... this is my SSN we are talking about, my life. And these people are playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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:
I have mailed in a complaint letter on XX/XX/2021 for inaccuracy on two collection accounts that are not mine. These accounts are unauthorized by me and I have not received any responses back from. This is very frustrating I have not been able to close on a house due to these false remarks on 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 2021-07-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX XXXX XXXX My credit score was increased by 77 points on my XXXX account due to a Balance decrease on my Home loan ( XXXX XXXX ) of {$540.00}. On XX/XX/2021 the same report was filed, a decrease in my Home Loan amount of {$570.00}, however my credit score dropped 55 points. Also, On XX/XX/XXXX an inquiry was removed from my credit report for being two years old. As stated on the report. " their eventual removal doesn't usually have a big impact on credit scores.

Is this removal causing my credit score to plummet 55 points? If this is the case I chose to keep it on my credit history. 

There is no other explanation as to why the decrease in credit reporting on XX/XX/2021. An explanation is warranted and correction if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: OH

Complaint narrative:
I asked the 3 credit bureaus to verify a bankruptcy. I contacted the courthouse to see if they verify with these agencys. The lady told me that they dont do that. 

There are other things on my report, that I asked them to send verification. They replied its not their job to do that. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge. 
For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol

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 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge.

For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  account is deleted with XXXX  on XX/XX/XXXX like its suppose to be, but XXXX XXXX XXXX  shows an active account with transunion report as of XX/XX/XXXX, please delete completely and send me a credit report from the 3 main credit Bureaus ..

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 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This credit card is not mine, I never applied for this card I never had it, is fraud maybe someone else used my information but I try to to communicate with them but they didn't help and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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:
I have mailed in a complaint letter on XX/XX/2021 for inaccuracy on two collection accounts that are not mine. These accounts are unauthorized by me and I have not received any responses back from them. This is very frustrating I have not been able to close on a house due to these false remarks on 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 2021-07-11 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: NJ

Complaint narrative:
I am disputing the reporting of an XXXX account. I first disputed this account on XX/XX/XXXX for inaccurate reporting, the results came back as meeting the " FCRA ''. I then disputed again on XX/XX/XXXX, asking to verify the account, it came back as completed with no changes. On XX/XX/XXXX, I disputed the " date last active '' because none of the dates matched on my credit report ; it was not corrected. I disputed the " date last active '' once again on XX/XX/XXXX ; it came back verified and was not corrected. I then disputed the " date of last payment '' on XX/XX/XXXX because the dates were inaccurate on my credit report ; it was not corrected. I sent out a follow-up letter on XX/XX/XXXX disputing the " date last active '', " date of last payment '', and the " payment history '' that showed inaccurate reporting ; it has not been updated or changed. On XX/XX/XXXX, I sent out a violation letter asking for a deletion for this account because the " date last reported '' has not been changed even though this account came back verified. This account also was sold to another company and it doesn't state that in the comment section of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: TX

Complaint narrative:
At the beginning of the Pandemic, XXXX XXXX offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, XXXX XXXX decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.

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 2021-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I purchased a user car from Carvana in XXXX, 2021. I obtained financing from their lending division, XXXX. There are three problems with this transaction : 1. It took over six months to obtain the California registration and I had to pay out of pocket to redo the smog inspection because the one they submitted had expired.

2. I paid off the loan in XXXX and have not yet received the title. After several calls to XXXX they sent me a letter that the title would have to come from the State of California. I should not have to apply for new title but rather should receive the title from the lender. 
3. XXXX has not yet reported the loan payoff to the credit bureaus. Today 's date is XX/XX/XXXX so it has been six weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
on XX/XX/2017 our XXXX XXXX credit card was used fraudulently for the initial amount of XXXX the card/account profile continued be used fraudulently via identity theft until the debt reached XXXX and with interest and penalties it reached XXXX. 
A police report was filed on XX/XX/2017 with the XXXX XXXX sheriffs department. An arrest was made, the wallet recovered by them and communicated to us by the XXXX XXXX police department on XX/XX/2017. This was communicated to XXXX 's fraud department who has not expunged our record to this date. They through city bank played ping pong with us and sold the debt. I have communicated this to all the debt collectors only to have the debt resold and the issue never fixed.

Company response to consumer: Closed with explanation