vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a data breach XXXX XXXX with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with XXXX XXXX XXXX XXXX XXXX XXXX of my XXXX account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX number log in from my dispute with my XXXX phone from XXXX XXXX  XXXX I contacted the log in with XXXX XXXX. I did a log in with the XXXX  account it was showing fraudulent records on my email XXXX XXXX I asked to put the account on my XXXX due process of payment with XXXX  tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from XXXX XXXX said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX XXXX  XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXX email with XXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from XXXX XXXX XXXX XXXX XXXX  for {$110000.00} tax XXXX and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX  with XXXX XXXX where the data breach occured on my XXXX XXXX from my normal log in considering it did not go through on my Experian Credit report it was on my dark web for bad credit mortgage XXXX XXXX XXXX XXXX entitled error background report from the XXXX XXXX  scheme showing it was paid then XXXX XXXX could dispute it on the credit report with Experian showing it belonged to XXXX XXXX XXXX. I ask the Experian dispute the error with Experian XXXX XXXX XXXX. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the debt associated with Affirm that has been attributed to me by Jefferson Capital Systems. I categorically deny any liability for this debt, as I have no contractual agreement with Jefferson Capital Systems. 

Despite my previous request for verification, I have not been provided with the original contract that purportedly binds me to this debt. Until such documentation is presented, I maintain that this debt is invalid. 

I expect an immediate cessation of any collection activities related to this matter and the removal of this debt from my records. Should this issue not be resolved promptly, I will have no choice but to escalate this matter to the appropriate regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XX/XX/year> I contacted and settled the debt with XXXX XXXX XXXX XXXX XXXX they promised to delete it from my consumer report the original creditor XXXX XXXX XXXX put it back on my consumer report. The original account XXXX this a violation of my rights, you can't take an account off and put the same one back on. I did my part and paid as agreed. The consumer reporting agency is violating my rights by reporting the same thing twice and the XXXX XXXX XXXX sold the debt and trying to collect twice. Please look into this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/year> I paid a settlement with XXXX XXXX XXXX, the original Creditor XXXX Original Account Number : XXXX XXXX Account Number : XXXX I paid and complete credit solution promised they would delete it, however the original creditor the defender credit repair put it back on my credit, which is a violation of my rights by the credit reporting agencies. All the proof is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
i been disputing this account with this company for over 1 year that account is not mine XXXX XXXX  account XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : Defenders Original Account : XXXX # XXXX They settled with me for XXXX and the original creditor came back and charged me again and put it back on my credit report. This is totally illegal and a violation of my rights. 
XXXX XXXX XXXX are crooks and shouldn't be in business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had my issue resolved but I do think there is a greater issue here. I called Synchrony and asked them to waive the newly instituted {$1.00} paper statement fee that hit my monthly invoice for the first time. They waived it and I'd have to sign up for paperless to stop it on the future invoice. I don't think I should have had to do anything in the first place. 

I purchased a bed from XXXX XXXXXXXX XXXX who uses Synchrony bank to finance purchases. Mine is a 0 % interest loan which was made 3-4 years ago and will be fully paid on XX/XX/year>. My monthly invoice is {$65.00} and I pay it every monthly with autopay. This new fee was added and it amount to 3 % of my total invoice. I signed papers year ago for this line of credit which is effectively a loan for a bed. Synchrony tries to say you can use this line of credit for other purchases, but lets be real, there are way better cards to make purchases with on every day items. This line of credit will die with the payoff of my bed. This new fee feels like a change in the terms of the loan. It takes a 0 % interest loan with no fees to 3 % fee on my monthly statement unless I want to jump through hops that I didn't have to previously jump through. I recall reading my paperwork that I signed for the bed involving credit and that this type of situation would not occur. I think everyone who is remotely financially savvy knows that if one side of an agreement can change the payment terms of the agreement on the fly when the other side whose only options are to either comply or pay off the remainder of the loan immediately, that it would be a stupid deal. This is predatory. If my agreement had this fee from the start and it was disclosed at the start that this fee was happening, that'd be one thing. But this is not that 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 explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have tried multiple times over the past year to access my account. Citicards has consistently not been available to support, and online services lock me out of managing my card. I have been a customer for over 20 years, so I had a log in and password, but one day it stopped working and would not let me reset. I called, and the automated message said they weren't allowed to assist over the phone. I got to a human in customer support and they said they could only give me the tech support line. The tech support line disconnected the call multiple times, and also, once I was able to enter in a credit card number, told me they had no record of my account. I was able to access a chat support line where they were unable to generate a new log in code for my cell number, again that has been on file for 20 years. As of right now, I do not have access to view or pay or close my account and have consistently been blocked from getting access to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Account Name : XXXX Account # XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXX XXXX that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened a savings account in Marcus by Goldman Sachs on XX/XX/XXXX. I deposited {$29000.00} in to the account on the same day. I have since only logged in once or twice to check that the transaction went through, I did not engage in any repetitive or unusual activity on the account. I tried to access the account on the XXXX, and it was locked. 

When I called the support team, they were non-cooperative, telling me that they can't tell me why my account is locked and not telling me when or how I will be able to access it. They said that they can't authenticate my user even though I was providing them with my correct SSN, date of birth, name, and phone number ( same information associated with my Marcus account ). 

It is very frustrating that my money is held for unknown reasons and with no clear way of getting it back, considering that I have to pay for my education very soon and this was all of the money I have been allocating for that. This feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
My account was placed in restricted on XX/XX/year> and when I called they said it was because my last deposit from my job not in my name even though that doesnt make sense. I called multiple times on this and completed their verification process only to be told on the phone their investigation team is still looking into it and there is no timeframe. I cant access my money and they wont even help or give me a timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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. 

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 non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

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.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX is in violation of my consumer right they report XXXX date payments to my credit report, according with the law before they report a late payment to the credit bureus they need to send me a letter 21 days prior that letter was never sent to me. therefore XXXX is in violation of the law. account must the place in good payment status and removed any late payment from account and 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Account Name : XXXX Account # XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Account XXXX : XXXX Account # XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Purchased used XXXX with XXXX cash downpayment. Cosigner, provided fraudulent documents without my knowledge, filed fraud with Veros Credit, vehicle was a lemon, in accident, had GAP coverage. Vehicle never returned, XXXX XXXX XXXX and XXXX XXXX refuse to give deposit back, they resold car after my insurance covered repairs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation