vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: IL

Complaint narrative:
XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX, account number XXXX XXXXXXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that XXXX is reporting 30 days late, and Transunion is reporting XXXX as 30 days late, and XXXX is reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
I fell on hard times and went to TitleMax. I borrowed {$800.00} from them in 2021 in exchange for my car title. I've paid over {$3000.00} and I have to pay more than {$1000.00} to release my title. I called and wanted an explanation of why it is paid off. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I opened a loan that was supposed to help repair my credit. It was a {$1000.00} loan but they gave me {$250.00} up front and then i was to pay XXXX every two weeks to a credit reserve. Once i paid the {$1000.00} i should be able to withdraw the funds. I paid back {$310.00} over the first 12 weeks and then asked to close the loan since i repaid the {$250.00} they gave me plus interest. On multiple times they refused to close the loan. They are charging me interest on money i do not have and they did not give me. The only interest i should be paying is the interest on the actual funs they gave me which was {$250.00}. They refuse to close the account and tell me we can close it in 3 days and then 3 days comes they have closed the accoutn and instead keep asking me to pay more money. It never ends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: LCI Acquisition Inc.
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received email from Bank of America that a savings account has been opened in my name. I called bank of American to report it and found that it was fraudulently created in my name. The bank shut it down for me. I put a credit freeze with all credit companies. However, a month later, I received another email that an account has been created in my name. I am not sure how does Bank of America lets people create account in someones name while there is a credit freeze

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Ive asked them to repeatedly stop calling me while Im at work but they keep continuing to do so. I work at a XXXX  and I can not have repeated phone calls between business hours They call everyday two times a day, for the amount of {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/22 I called Care Credit to ask them information regarding what they offer. Before speaking to me they require I gave them my name, address and a few other details. After some questions I was short on time and decided to call back later. Before calling back I got a notification from my credit card XXXX who monitors my credit. XXXX let me know I had a new inquire on my report. After looking into it I see care credit ran my credit without my approval, permission, acknowledgment or asking me/telling me whatsoever. Had I know this would happen from a short 5 minute phone call for more information I would not have. 
I tried to call back numerous times but they wanted information from me every time I tried to call, I was scared they would run my credit again. After a few calls with them and synchrony bank - who they work threw I was told I was out of luck and theres absolutely nothing they can do on their end. I feel this is not fair or legal and should not be able to run unauthorized reports like this. This is a hard inquire on my credit I never approved for. After speaking with a family member Ive found out they had this happen to them with the same company years ago as well ( though they didnt report it at the time ). Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: LEXISNEXIS
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old. 
Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
I tried to apply for a mortgage on XX/XX/2023 and i see that there is a collection on my credit of {$2800.00} from Mid State Collection solutions collecting on behalf of XXXX XXXX located in XXXX Illinois. I have never lived in XXXX Illinois. The account number is XXXX from Mid State Collection Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$5900.00}, XXXX XXXX XXXX XXXX : {$11000.00} & XXXX XXXX XXXX Balance : {$15000.00}.

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 2023-04-19 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: CT

Complaint narrative:
I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. TransUnion, XXXX, and XXXX refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: LEXISNEXIS
State: CO

Complaint narrative:
Dear LEXIS-NEXIS, I am writing to dispute the information being reported by your company regarding an alleged bankruptcy. You are in violation of the Fair Credit Reporting Act ( FCRA ) by selling, transferring, and reporting inaccurate information to the credit bureaus. As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. It also stipulates that only data furnishers are authorized to provide information to credit bureaus. Banks, credit unions, retail credit, car issuers, auto lenders, mortgage brokers, debt collectors, and other voluntary send information to credit bureaus. Furthermore, I have some questions regarding how your company obtained the information regarding my bankruptcy from the United States Bankruptcy Court. Did the court sell or transfer this information to your company, or did your company obtain it through some other means? Is the United States Bankruptcy Court a credit reporting agency, and do they have the authorization to provide information to credit bureaus? Therefore, I request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines. Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings. I also request information showing a contract you signed to become a data furnisher, including the data furnisher agreement. Additionally, I would like to know how you were able to convert to Metro 2 format and become Metro 2 compliant. I dispute the information being reported by your company and request that it be removed from my consumer report immediately. If this information is not removed, I will be forced to take legal action. Attached information : XXXX XXXX, XXXX  XXXX bankruptcy Reference # XXXX, address XXXX XXXX XXXX XXXX, XXXX XXXX Co XXXX last four social XXXX, date of birth XXXX XXXX. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
People 's United Bank. Check no. XXXX in the amount of {$4500.00}. 
XXXX XXXX XXXX Company issued a check in the amount {$4500.00} without XXXX XXXX knowledge nor did the XXXX XXXX sign the check Check no. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2023 : Used A Synchrony Financial Credit Card at XXXX for a {$45.00} transaction. 

XX/XX/2023 : Returned Some products to XXXX for a refund back to the Synchrony credit card in the Amount of {$19.00} XX/XX/2023 : Made a payment to Synchrony for the difference of the original purchase from XX/XX/XXXX, in the amount of {$25.00} XX/XX/2023 : Received an email from synchrony bank that I had a statement balance of {$19.00} That was due XX/XX/2023. 

upon my own investigation I discovered that I was charged a late fee of {$19.00}, A finance fee of {$1.00} and additional late fee for a total of {$41.00}. 
Synchrony bank reported I was late on payment to the credit bureaus. 
I placed two calls to Synchrony bank about this issue explaining I did nothing wrong and that my payment was made 43 days prior to an assessment of a late charge. I was asked whether or not I had my return receipt for the transaction that was made in XXXX as well as that I have a balance of {$41.00} for missing a payment. 

I went to the original purchase store ( XXXX ) spoke with a XXXX and was able to obtain printouts of both the purchase and return from XXXX. 

In a phone call with Synchrony bank, they stated that a dispute would take up to 60 days, with more late reporting sent to the credit bureau and during that time I may receive calls from a bill collector. 

I decided in order to avoid harassment from a bill collector, and destruction of my credit history to pay the additional {$41.00} which I technically did not owe. I asked Synchrony bank when would I get my money back once they were able to verify the situation and was told that the process can take up to 45 days, that I would receive a credit on the account and if I do not use the credit after a period of time a check would be sent back to me in the mail. 

So here I am, frustrated filling a complaint to the CFPB. I don't know who was wrong between XXXX or Synchrony Bank. I do know I was not in the wrong and should have never been in this position. The arithmetic was simple, a purchase minus a return is what I paid. I've always paid what I owe in a timely manner. What takes a lifetime to build can be destroyed in a moment and my question is why did this happen?

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 2023-04-19 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: CT

Complaint narrative:
I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. XXXX, Equifax, and XXXX refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.

Company response to consumer: Closed with explanation