vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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:
We have paid Care Credit and met the minimum due for XXXX, XXXX, XXXX. Unfortunately, payments were going to an account Synchrony had CLOSED due to inactivity during initial Covid lockdown. I realize the mistake ( automatic bill pay routed incorrectly ) is on our part, however we phoned Carecredit/Synchrony after each late charge and they could never figure out that we were paying the wrong account? Meanwhile, a credit kept accruing on a closed account for XXXX payment cycles. 
All I am asking for is a that they waive all three of the late fees as they received money from us by the agreed upon date in the required amount. I think this is an excessive price to have to pay for a simple mistake.

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 2022-08-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # 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 a account without my written instructions

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 2022-08-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account SYNCB/CAR CARE DISC TIRE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-11 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CA

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-08-11 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: LEXISNEXIS
State: TX

Complaint narrative:
I have submitted multiple disputes to Lexis Nexis and they have failed to investigate those disputes or even respond to them. They are in violation of the FCRA and the TX XXXX XXXX. 

My Lexis Nexis reports contains multiple inaccuracies to include email addresses, phone numbers, public records, and outdated information that is well beyond the 7 years in which it is allowed to report. They have continued to report this inaccurate information for over a year now violating my consumer rights. Additionally, they have provided information to insurance companies that is inaccurate. Fabricated accidents and claims have caused me to have to pay significantly more in premiums. Lastly, they are reporting this information or verifying this information with the major credit bureaus causing issues for me to get approved for credit. 

When I resubmitted the dispute, they asked for a copy of my driver 's licenses which is not required to dispute inaccurate information. It was provided to them ; yet the disputes were never processed. 

Failure to validate the information disputed within 30 days, the information disputed MUST be deleted I have confirmed that the information is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I used XXXX XXXX  XXXX Zelle to transfer {$50.00} and then {$30.00} to an online scammer ( total {$80.00} ) to buy tickets to a concert. The person kept asking for more money and never sent me the tickets. This conversation took place on XXXX. The persons name on XXXX was XXXX XXXX XXXX. The zelle account I sent the money to was under the name of XXXX and the phone number associated with that was XXXX. The person also sent me a picture of an ID ( probably fake ). 
I reported this to XXXX Zelle, but they said that I may not get my money back because it was a direct transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CA

Complaint narrative:
We, Experian, purchase personal data from third-party companies that collect and aggregate personal data. Data resellers collect personal data from a variety of sources, including directly from consumers, through devices and browsers, public records, news sources, and from other businesses and data brokers. How dare you be able to do that? My privacy is very important to me. I have released damages in so many wrongs with your handling of my 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 non-monetary relief
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO XXXX party. I never gave these company any written consent to report anything on my consumer report. please see attached documentation. I need this item removed 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 non-monetary relief
Consumer complaint received 2022-08-11 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: OneMain Finance Corporation
State: VA

Complaint narrative:
One Main ran a inquiry on my credit report XX/XX/2022. However I did not approve this nor was a application completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 a account without my written instructions

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 2022-08-11 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

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 2022-08-11 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

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 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I called to dispute collections and unauthorized inquiries on several occasions. I have collections on my credit report that was not in collections. I have numerous reporting that I do not recognize and these accusations caused my credit score to drop.

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX a Home Depot XXXX XXXX Credit Card was opened in my name without my permission. It was used and I was made aware of the card in XXXX  after receiving a bill. It was immediately reported. I have never applied, received, or used ANY type of card for this store. I reported it to the store, to no avail. They could not help me. They told me to file a police report and nothing else. I reported it to the credit bureaus, and froze my credit. I also setup fraud alerts regarding any use of my credit. They will not stop harassing me, and I have told them everything I could. I would never open any new card accounts knowing that I wouldnt be able to fulfill my end of the agreements for payment. My only income is social security. I am a XXXX XXXX and all of these harassment calls are elder abuse. This is just one of 6 cards fraudulently opened in my name, including attempts to open new accounts. Money was also stolen from my bank account. Money that I was desperately depending on. Money that my husband and I inherited, it was a small inheritance, but it was everything we had.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I purchased a vehicle in XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX. I notice problems with the vehicle. After mutiples failed service appointments, I retained a lawyer who classified this vehicle as a Lemon under California Law. In XX/XX/XXXX, XXXX of XXXX deemed this vehicle unsafe to drive and issued a recall notice. See attached. Letter. I received a Settlement from XXXX of XXXX for my troubles and I has the car returned. As of this date, this account still appears on my credit report and also reporting as a repossession. I wouls like to request this line removed from all three credit bureaus as soon as possible as it was agreed upon with XXXX XXXX XXXX XXXX XXXX XXXX. Elclosed are the letters. On XX/XX/XXXX settlement was finalized.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I purchased a vehicle in XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX. I notice problems with the vehicle. After mutiples failed service appointments, I retained a lawyer who classified this vehicle as a Lemon under California Law. In XX/XX/XXXX, XXXX of XXXX deemed this vehicle unsafe to drive and issued a recall notice. See attached. Letter. I received a Settlement from XXXX of XXXX for my troubles and I has the car returned. As of this date, this account still appears on my credit report and also reporting as a repossession. I wouls like to request this line removed from all three credit bureaus as soon as possible as it was agreed upon with XXXX XXXX XXXX XXXX XXXX XXXX. Elclosed are the letters. On XX/XX/XXXX settlement was finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: NY

Complaint narrative:
n accordance with the fair credit reporting act 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 a account without my written instructions 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 a account without my written instructions

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have made multiple attempts to find out if I have a Wayfair bill, and if there is a balance owed on this account. However each time I was unsuccessful. I have not received a bill or statement in the mail since XX/XX/2022. When trying to log into the website to see if I had a balance, or why I was not receiving any mail from Wayfair it would tell me that there is no account by the information I was giving them. I tried multiple different ways ( username, account number, social security number ) but no matter what i entered I was told that there was no account. When I went to apply for a mortgage in XXXX I had noticed that there was a delinquency showing on the credit report, I tried to call the phone number that I had but they told me that I had no account with Wayfair. Finally, on XX/XX/XXXX after spending many hours doing some research, I was able to get a representative on the phone. The representative told me that I had an account in the past but it was showing a XXXX balance and there was nothing that I needed to pay. He then contacted a supervisor because I did not understand how if I had a XXXX balance why there would be a delinquency showing on my account.This situation is very deceptive because their own representative is telling me that I do not owe any money. After speaking with the supervisor he told me that there was some sort of problem in their system from a change that they had made not too long ago and that this has also been a problem for other people as well. He gave me a XXXX XXXX mailing address to send a letter asking someone to reach out to me so that I can get further help with this problem. I sent a letter to Wayfair on XX/XX/XXXX but still have not even heard anything back from the company. This is unfair because this is preventing me from being able to purchase a new home. This is abusive because I have now suffered from a damaged delinquent account on my credit report. I feel that I have been patient enough in waiting for someone to respond to my previous letter that was sent almost a month ago. It seems that no one has an answer as to why this happened and i feel that they have not helped try to resolve this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc.
State: WA

Complaint narrative:
my account was frozen for what was supposed to be XXXX XXXX because I accidentally used the wrong ccv number and it locked for XXXX XXXX I've tried XXXX times to contact XXXX to get the issue resolved and they did not help they gave me phone numbers that didn't work and then when I tried to contact payfare I couldn't find a number that was directly linked to them I have money in the account that I can't use I can't even transfer it to my actual bank account

Company response to consumer: Closed with explanation