vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: NC

Complaint narrative:
Someone with a similar name to mine received services in mid XXXX ( believe it was XXXX ) from XXXX XXXX XXXX XXXX which I have never used/been to ). This person did not pay for these services and the account went in to collections with XXXX XXXX in XXXX of XXXX. I randomly looked at my FICO credit score in XXXX of XXXX and noticed huge drops that I was able to link back to the collections at XXXX XXXX. After speaking with them, they could directed me to XXXX. After speaking with XXXX, it became clear that they do no collect any verifiable information on their customers. All collect is name, address, phone number, and email. All of this is done without looking/verifying with a drivers license. The person they have on file has the same name as me, but that is it. I was then directed to speak with the credit bureau ( Experian ). I have disputed this issue twice now and provided my driver 's license that shows I am not associated ( nor have ever been ) with the address that is linked to all the accounts ( XXXX, XXXX XXXX, and Experian ). I suspect somewhere in the process from XXXX XXXX to Experian, this was incorrectly tied to my account in Experian and has been making my credit score suffer. Additionally, I went in on Experians system and disputed the address that is not mine. They processed and accepted this dispute and removed the address from my file, so I do not understand why this is issue is still attached to my account and affecting my credit score. I believe that information ( such as my SSN ) should be used to verify that I am not this person and so that this incorrect collections record can be removed from my account.

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 2022-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
The issue here is the negative late payment placed on my credit report that dropped my credit score. 

The purchase of my XXXX  XXXX XXXX XXXX was financed through GM Financial. Documentary evidence will show that a financed charge was applied in connection with this consumer credit transaction as described in the Truth and Lending Act. 

Pursuant 15USC1605 states that the finance charges " shall be determined as the sum of all charges ''. GM Financial was payed in Full at the time of my signature, so there should be NO LATE payments. 

Gm Financial never notated my account was under dispute pursuant XXXX Responsibilities of XXXX XXXX XXXX XXXX XXXX reporting agencies. 

Gm Financial strategically refused to note my account under dispute.By not doing so they were able to report it delinquent, which then puts them in violation of 15USC1666a Regulation of credit reports ( a ) ( b ) ( c ) for not doing so. 

This is yet another extortionate attempt at collection on their financed lines of credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21 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: SLM CORPORATION
State: AR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 d and 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 2022-05-21 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: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 d and 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 2022-05-21 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

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 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
They call at least 6 or 7 times a day and leave messages in spite of me blocking their number. They have been doing this for months and it keeps me from getting medical appointment updates. I am having to go in and dump messages from my phone. 

I suspect this is the bill for the HSN card where Synchrony has received over {$XXXX} for a {$XXXX} makeup purchase because no matter what I did I kept screwing up the due date. At some point, they need to give us a break. I had finally gotten payments synchronized and then credit companies changed hands with little room for amnesty. And I just couldn't get it back on track. 

If you're charging a late fee every month you get a payment something isn't right.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
BEFORE I START THIS DISPUTE, I WOULD LIKE TO LET THE CFPB THAT THIS IS NOT A DUPLICATE COMPLAINT. 

MY COMPLAINT IS ABOUT GETTING MY UPDATED CREDIT REPORT SOLEY FROM EQUIFAX AND XXXX. XXXX TOLD ME THAT I CAN NOT OPEN ANY ACCOUNT BECAUSE MY XXXX ACCOUNT IS IN SPECIAL SERVICE DEPARTMENT. I CALLED THEM SEVERAL TIME TO LET ME OPEN A XXXX ACCOUNT SO I CAN MONITOR MY CREDIT SCORE INSTEAD OF GETTING IT FOR FREE FROM XXXX XXXX XXXX WEBSITE THAT DO NOT GIVE CREDIT SCORE A SUMMARY. ITS BEEN ALMOST A YEAR NOW THAT I CAN NOT ACCESS MY ACTUAL XXXX CREDIT REPORT FROM THEIR WEBSITE. THEY ARE VERY RUDE WHEN I'M TRYING DIG DEEP OF WHAT IS THEIR REASONS WHY THEY PUT MY ACCOUNT TO SPECIAL DEPARTMENT? NO STABLE AND CONSISTENT RESPONSE FROM EVERY AGEN I SPOKE TO, INSTEAD I HAVE A RUDE AND ARROGANT RESPONSE FROM EACH ONE OF THEM. FOR EQUIFAX THE SAME REASON, THEY TOLD ME I HAVE A DUPLICATE ACCOUNT BUT THEN THEY DONT RESOLVE THE DUPLICATE ACCOUNT AND I WAS WASTING MY MONEY PAYING MONTHLT EQUIFAX SUBSCRIPTION AND I HAVE NOT RECEIVED ANY CLEAR OR UPDATED CREDIT SCORE. THEY ARE ALSO RUDE AND ARROGANT WHEN I TRIED TO KEEP ASKING WHY I CAN NOT GET AN UPDATED REPORT? AS PER FCRA IT IS MY RIGHT A S CONSUMER TO HAVE OR REQUEST AN UPDATED CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: VA

Complaint narrative:
Information on account is incorrect or in accurate. Myself as the consumer has the right to dispute any information that is not correct on credit report. Several disputes have been filed and has been unanswered with no information provided on the Account that is showing inaccurate. 
When looking at file it is saying that information has been verified yet no information has been sent to myself. 
Account information is as follows XXXX XXXX XXXX XXXX  XXXX {$420.00}

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 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have a PayPal Credit account. I have used the account to make purchases that offer special financing/differed payments over 6 month time periods, I have made returns and made payments and there is no logic to how the payments and returns are applied. I have been making payments and somehow accruing interest on my purchases. 
Today I looked at my statement and it said that the minimum due to avoid interest was {$360.00}. However, the only purchase showing to expire in XXXX was for {$62.00}. 
I called twice and was cut off both times. I had tried to call at the end of last year and faced similar issues. Due to the fact that my mother had recently passed away, and some additional personal issues, I didn't call back for some time. 
I have been paying down the account and today I was shocked to see that the balance due to avoid interest was again so high. 
After being on hold for 40 minutes and being disconnected twice, I called back a third time and I asked to be transferred to a representative in the USA. 
Once I was connected to the representative, I was informed that I had an outstanding balance for a promotional purchase from XXXX that had expired and was accruing interest. This amount or line item does not show up anywhere on the statement, just the ambiguous " amount due to avoid interest ''. 
The representative told me that in order to have my payments applied to the older balances, I need to call them and tell them where to allocate the payment amounts. 
This is somewhat fraudulent and extremely misleading to the consumer. 
It is unclear when making purchases that you need to call every time you make a payment or return to have the item applied to the correct charge amount. 
I am very annoyed by these deceptive practices and I do not think that the company is being transparent and open abut these practices.

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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was compromised via XXXX XXXX XXXX in XX/XX/2021 I noticed my XXXX account was tampered and I attempted to have the fraudulent transactions stopped which continues and reflecting on XXXX, XXXX, experian as closed derogatory with XXXX. The inactive XXXX account was used to fund all the fraudulent charges processed through XXXX  which placed the bank in negative balance and in XXXX XXXX  The XXXX consumer reporting agencies did not notify me this account reporting and failed to establish validity. all fraudulent transactions linked to the XXXX amounting to over XXXX now showing on all my consumer reporting agencies profile. I saw fraudulent name and addresses listed also on my profile. 
This has damaged my credit and causing emotional stress, financial strain and prevents me from refinancing my home. I was never notified of the fraudulent transactions by XXXX and XXXX. I attached my identification of evidence of assurance and ssn card for the case

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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
BEFORE I START THIS DISPUTE, I WOULD LIKE TO LET THE CFPB THAT THIS IS NOT A DUPLICATE COMPLAINT. 

MY COMPLAINT IS ABOUT GETTING MY UPDATED CREDIT REPORT SOLEY FROM XXXX AND TRANSUNION. TRANSUNION TOLD ME THAT I CAN NOT OPEN ANY ACCOUNT BECAUSE MY TRANSUNION ACCOUNT IS IN SPECIAL SERVICE DEPARTMENT. I CALLED THEM SEVERAL TIME TO LET ME OPEN A TRANSUNION ACCOUNT SO I CAN MONITOR MY CREDIT SCORE INSTEAD OF GETTING IT FOR FREE FROM ANNUAL CREDIT REPORT WEBSITE THAT DO NOT GIVE CREDIT SCORE A SUMMARY. ITS BEEN ALMOST A YEAR NOW THAT I CAN NOT ACCESS MY ACTUAL TRANSUNION CREDIT REPORT FROM THEIR WEBSITE. THEY ARE VERY RUDE WHEN I'M TRYING DIG DEEP OF WHAT IS THEIR REASONS WHY THEY PUT MY ACCOUNT TO SPECIAL DEPARTMENT? NO STABLE AND CONSISTENT RESPONSE FROM EVERY AGEN I SPOKE TO, INSTEAD I HAVE A RUDE AND ARROGANT RESPONSE FROM EACH ONE OF THEM. FOR XXXX THE SAME REASON, THEY TOLD ME I HAVE A DUPLICATE ACCOUNT BUT THEN THEY DONT RESOLVE THE DUPLICATE ACCOUNT AND I WAS WASTING MY MONEY PAYING MONTHLT XXXX SUBSCRIPTION AND I HAVE NOT RECEIVED ANY CLEAR OR UPDATED CREDIT SCORE. THEY ARE ALSO RUDE AND ARROGANT WHEN I TRIED TO KEEP ASKING WHY I CAN NOT GET AN UPDATED REPORT? AS PER FCRA IT IS MY RIGHT A S CONSUMER TO HAVE OR REQUEST AN UPDATED CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I C XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-22 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: OH

Complaint narrative:
15 usc 1681 a Innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information All reports have to have 100 % accurate information how can they say that a proper investigation was conducted???

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 2022-05-22 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: Verisk Analytics Inc
State: GA

Complaint narrative:
XXXX consumer inquiry center. XXXX XXXX has a loss claim for property and it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I was off work due to an illness and I spoke with a lady about making payments and she told me it had to be paid in full. I thought I had insurance to cover when I wasn't working. Also, they reported a bad debt to credit bureau when they could've just contacted me to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  - Navy Federal Account # XXXX, has violated my rights. Charged off in the amount of {$13000.00}. 
Date Opened Date Reported Closed Date XX/XX/XXXX XX/XX/XXXX XX/XX/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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Me and my wife XXXX XXXX had lost are card and someone stole are info and been using are accounts with navy federaXXXX  and they wont let me close it or use my money in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX 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 an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: OH

Complaint narrative:
15 usc 1681 a Innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information All reports have to have 100 % accurate information how can they say that a proper investigation was conducted???

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 2022-05-22 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: OH

Complaint narrative:
15 usc 1681 a Innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information All reports have to have 100 % accurate information how can they say that a proper investigation was conducted???

Company response to consumer: Closed with explanation