vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: NY

Complaint narrative:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than XXXX years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( XXXX  ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance 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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
SynchronyBank/CareCredit XXXX They are linked together. My payments are due on the XXXX of each month. I make my payments on the XXXX of each month through XXXX which is a bill paying service. My first payment XXXX XXXX, 2022, missed XXXX payment, made 2 payments XXXX on XXXX XXXX, 2022 and next XXXX, 2022. I contacted Synchrony Bank to advise I would be late on XXXX payment. On XXXX, 2022 I made a payment through XXXX  for XXXX plus XXXX process fee total XXXX. I start getting texts and emails from Synchrony Bank that I was late on payment. I called them to advise I made payment through doxo on XXXX XXXX. They then advised a missing payment form would be applied. I made payment XXXX XXXX for XXXX through XXXX  then received an email from Synchrony Bank that my payment was late. All payments due on the XXXX. I checked my statement it showed a charge of XXXX as a purchase raising my balance from XXXX to XXXX. I never made a purchase this was the amount they say was lost. I contacted Synchrony Bank advised that my statement was wrong I never made a purchase which was supposed to be taken off. I advised them I made XXXX payment on XXXX and they would receive it on XXXX XXXX. The agent said it would be taken care of and that they had received my payment of XXXX and I owed only XXXX because my monthly payment went up to XXXX. I checked my statement today and found the XXXX purchase still showing on there and they had received the XXXX payment and the XXXX payment and showed I still owed just XXXX. I'm still receiving emails that my XXXX payment is late which my statement shows it isn't. I feel like there is a lot of discrepancy on there part. There is no email avaliable for consumer use only a phone number which it takes up to 10minutes to talk to an agent. Imake my payments each month on the XXXX because that when I get paid due to my XXXX. Could you 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 explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
My husband and I need to get off this CREDIT FREEZE SOME OF THE REPORTED CREDITS ON FILE ARE INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I opened a XXXX XXXX credit card account on XXXX and made a charge on XXXX. The statement closing date assigned to my account was XXXX. So I was billed for my charges based on a 2 day billing cycle, with no advance notification. I asked the company to reset my billing cycle to a more reasonable date and credit my account for any fees and interest accrued under the current billing cycle. They refused and offered to close the accoutn.

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 2022-12-14 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: NJ

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Kindly correct or discard the following items right away : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
When I applied for the Citi XXXX XXXX select credit card, the adverisement on their website said " Earn XXXX XXXX XXXX XXXX XXXX XXXX  after {$2500.00} in purchases within the first 3 months of account opening... ", see attachment. I charged over {$3000.00} on the card and made full payment within the first 3 months of opening the account, but they only gave me XXXX bonus miles instead of XXXX as advertised. I contacted their customer service, but have not received any explanation or resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
I have been disputing this for yrs now, I never had this car. i reported it as fraud, i also sent all the bureaus a police report. i have been able to get it off of XXXX and XXXX but experian hasnt taken it off. i want it off please. i havent been able to get any credit to build my future. i need this off please. i recently sent experian over a month ago showing that the information doesnt add up from bureau to bureau and havent gotten a response back. it's still showing a repo for XXXX XXXX XXXX opened XXXX XXXX with an account # 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 2022-12-14 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 — Investigation took more than 30 days
Company: SLM CORPORATION
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my XXXX Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
My husband and I need to get off this CREDIT FREEZE SOME OF THE REPORTED CREDITS ON FILE ARE INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: TX

Complaint narrative:
IN accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name... XXXX XXXXXXXX XXXXk Account NumberXXXX XXXX 
Account NameXXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX XXXXXXXX Account NameXXXX XXXX XXXX XXXX Account Number.. XXXX Account Name XXXX XXXXXXXX XXXX XXXX in Account number... XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXXXXXX Account Name XXXX XXXX  untitled Account NumberXXXX XXXX XXXX XXXX XXXXXXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, I have the right to privacy.

15 u.s.c. 1681 section 604 A. Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

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

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..

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 2022-12-14 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: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-12-14 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: NC

Complaint narrative:
I, XXXX XXXX XXXX am writing this complaint today because my rights have been violated repeatedly by the company listed below. This company has violated my rights under XXXX5U.S. Code 1681and U.S. Code 1679 I have a right to an accurate report and this company is reporting an inaccurate balance. The balance being shown is not correct as well as reporting an inaccurate file. I was charged a repossession fee twice. I purchased GAP insurance when purchasing the car, the lender was paid out by GAP to cover the loss vehicle. The file should be a point of sale and was reported as a installment loan. Because of these violations mentioned, I'm it be removed immediately as the solution. 
account to be removed as followed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TX

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-12-14 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: LA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and discarded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: OK

Complaint narrative:
XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 explanation
Consumer complaint received 2022-12-14 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: OK

Complaint narrative:
XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation