vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to express my profound concern and dissatisfaction regarding the unauthorized credit pulls conducted by your credit card and loan bureau, which have resulted in the misuse of my personal credit information. As a responsible consumer, I have always prioritized the careful management of my finances, ensuring the security of my credit profile. However, recent events have severely undermined my confidence in your organization 's handling of my sensitive data. 

I have discovered multiple instances where my credit information was accessed without my consent or knowledge. These unauthorized credit pulls raise serious questions about the security measures in place at your bureau. The misuse of my credit information has had negative consequences, including a sudden influx of inquiries and credit applications that I did not initiate or authorize. This has adversely affected my credit score and potential financial opportunities.

Moreover, rectifying the damage caused by these unauthorized actions has been time-consuming and inconvenient. I have had to invest significant effort in disputing the unauthorized inquiries with various financial institutions and providing evidence of their unauthorized nature. This process has caused considerable stress and XXXX. 

I trust that you recognize the seriousness of this situation and will take swift and decisive action. As a responsible consumer, I have fulfilled my obligations, and I expect the same level of responsibility and accountability from your organization. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution.

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 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a call on XXXX. The voice-mail did not provide any details. It just stated that no contact and the case was being escalated. I called the number provided XXXX. The first gentleman was pleasant. Provided conflicting information and our call was disconnected before I could obtain more details. I researched my credit reports and couldn't find anything resembling the account mentioned. I called back and the second man was abusive and rude. Every time I attempted to ask a question about the account, he would interrupt me saying " ma'am this is a debt you owe ''. I attempted again to ask a question and he continued to speak over me. He ended the call by saying " this will proceed to judgment '' and hung up on me. I was trying to explain to him that I didn't recognize the debt. The address they initially referenced was an address that I haven't lived at for over 17 years. None of what they were saying made sense and thus why I was attempting to ask questions. I'm currently enrolled with XXXX for debt relief. Even their reports showed nothing about the alleged account. They claimed they've sent multiple letters to both my current address and the old address. I have received ZERO letters. This is extremely stressful, I have XXXX XXXX and I can literally feel my symptoms beginning to flare.

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 2023-06-28 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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: NV

Complaint narrative:
To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: MD

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. 

Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX  Account name : XXXX Account number : XXXX Account name XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXXXXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: MD

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. 

Account name : XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: Credit Karma, LLC
State: PA

Complaint narrative:
signed up for credit Karma after divorce to rebuild credit, was informed a soft inquiry would occur, and mislead that pre-approvals would get me cards to increase my credit score and rebuild. INSTEAD, was only approved for 2 of the 6 cards they indicated my chances were excellent and herd inquiries showed on my credit REDUCING or MAKING MY CREDIT SCORE GO DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of 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 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: AZ

Complaint narrative:
I didn't make my payment on purpose because I was waiting on a deposit. My payment was due on the XXXX. On the the morning of the XXXX I woke up checked my account to see if the deposit had hit my account only to find out that advanced financial had submitted a ACH payment of XXXX which overdrawn my account. Later that night on the XXXX my deposit went in to my account and the payment was paid. Back in XXXX of 2023 or it could have been XXXX of 2023 I discussed over the phone I did not wish to have automatic payments anymore which was confirmed today on the XXXX it was in fact noted no ACH or Debit card auto pay. I like making my payments manually. This company not only has predatory lending, practices, to this day I have NEVER received a truth in lending document. Nor have they closed the account which I have asked them to do. Also I want them to lower the interest rate on this line of credit. Had I known the rate I would never had taken this line of credit. I did ask on many occasions and had ask on many of occasions to provide me with a Truth and Lemding Statement. All I was told was what my biweekly payment would be. Now I see that they charging me something in the rate of XXXX percent. This company needs to be shutdown, the violate many lending laws one being TILA. This company has been sued many times over and as I had done research they having many more pending lawsuits in the courts pending waiting to be heard. Hopefully they are being investigated by the CFPB like you did to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and many others. This company is far worst then any of the ones listed above. I'm not trying to not pay them back. I just want them to be responsible on their lending practices. I will pay my bill as I do. They did something to me was unfair. I work for a large financial institution. These practices that the CFBP is allowing of this company is insane. I know I'm not the only person with now 2 complaints about there lending practices. I want my account with them closed immediately stating on my credit report as closed by the consumer, interest rate reduced so I can get them paid off completely, and show as all my payments on time. One other thing on my transaction it show that they submitted the ACH payment as retry. I never submitted a payment on the XXXX so how can they state it was was a retry. I withheld paying that payment until the funds were in my account. Unbelievable. In my own thinking they did this for malicious reasons to act like I had a payment return. The girl today even stated my account is current. I want resolution immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: GA

Complaint narrative:
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: GA

Complaint narrative:
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a letter certified mail to inform them of their violations and my rights.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Approximately XX/XX/XXXX, I attempted to change my payment method with Bank of America to my new bank account. Unlike EVERY OTHER XXXX who connects to my new bank using PLAID, Bank of America informed me that it must first make deposits in my account which I would later confirm. This occurred on XX/XX/XXXX. ( PLAID takes about XXXX minute per account. ) I confirmed the amounts and verified my new bank account. Every current Bank of America currently says to login and click XXXX XXXX on their first page to change my auto pay. Of coursethere is literally nothing on ANY account page that says XXXX XXXX. Instead, I went into Payments, saw my scheduled payment for XXXX, clicked Edit Payment andit would only let me use the OLD bank account. No problem, I will set it up again. I returned to the Payment screen, clicked CANCEL PAYMENT several times and realized it was only canceling payment on a month-to-month basis. No problem, I went to Manage Payment Methods, DELETED the old account, checked that this deleted all scheduled payments, and tried to set up a new paymentbut where? 

Eventually, I found that there was a VERY SMALL link that says XXXX. I set this up for my next due date and minimum payment. I received a confirmation that I read as my autopsy being confirmed and my next due date. Perfect. 

XXXX never showed up in my scheduled payments. So I called and after XXXX minutes I was told they payments set up on XX/XX/XXXX would not be in effect until XX/XX/XXXX over XXXX weeks later. I was also told that it would NOT show up in scheduled payments until XX/XX/XXXX, XXXX days AFTER I expected a payment to post to my account. 

I then tried to set up bill pay with my new bank, XXXX XXXX, only BoA doesnt accept electronic payments through XXXX XXXX 

I then logged into my BoA account again, canceled and then reapplied XXXX and realized that it says ( in very small print, above the important details of DUE DATE ( which was indeed the due date on which I expected my payments to occur. ) The reasonable person probably not even have read this far. They would have seen that autopay was set up and never noticed a discrepancy until their next bill IF THEN ( since they already had it on autopay. ) This is clearly a petty scheme to exhaust/defraud BoA credit card customers who want to make timely payments but who are frustrated at every step by arbitrary barriers, insane limitations, and the excuse that you didnt read the fine print for requirements NO ONE ELSE has. This is predatory banking.

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 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
I found out my information was leaked to the dark web and I start noticing accounts on my credit I did not recognize and and now they are in collections I reached out to the creditor and I disputed the account and they refused to remove it. I have also filed a police report for the identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: VA

Complaint narrative:
I received my credit report on XX/XX/26 and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose 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 non-monetary relief
Consumer complaint received 2023-06-28 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: MD

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief