vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: VA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
I contacted NCA ( National Credit Adjusters ) regarding a collections on my account XX/XX/year> where the balance was incorrect. The original creditor emailed me with the correct amount and I fwd it to NCA. They never adjusted the amount. Or provided proof that their amount is correct when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I opened up a card with Paypal in XX/XX/2023 use that card and only had it open for a few months was late due to my house obtaining Covid in this process they close the card. The balance was around {$2400.00} when it was closed, I paid it down to about {$2200.00} And logged in today and found that the card was now over its limit and they had charged over {$300.00} in interest in late fees to my card although I have been making {$41.00} minimum Payments on the card. The interest rate according to them is XXXX % and they stated thats the amount that will be charged every statement. Which is about {$290.00}. Im not understanding how Im supposed to pay off this card At a minimum payment of {$41.00} a month if theyre gon na continuously charge me {$290.00} in charges this card will never be paid off. According to the most recent bill against credit card issues, there was a cap placed on interest charges and late fees. I would like this investigated for the specific company and know my rights as I will never be able to pay off this card and it will occur in so much interest that the card will eventually be too much to pay. I tried to resolve this with a credit card issue and they refused to budge

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 2024-06-12 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: FL

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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:
I've 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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/year>, I had to rent a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Al XXXX. My insurance covered 8 days and after that I paid for additional days as needed until we got a new car. I had to pay out of pocket for the additional days. I made payments via phone or in person with the branch manager XXXX. I called XXXX and wanted to confirm my payments. The payments I made with my PNC bank card was XX/XX/year> XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX for XXXX. After making those payments with debt card and turning in the rental car, XXXX charged my bank account for XXXX additionally. 
Which cause me to go in overdraft. I disputed the charge several times was given provisional credit which was overturned, and I lost the appeals. Which caused me financial hardship and I lost my bank account. Also, XXXX refused to give me my deposit back. I lost money from the bank and XXXX. I can provide additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: VA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 non-monetary relief
Consumer complaint received 2024-06-12 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-06-12 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX, XXXX Asked for a proper investigation, to provide me with a contract bearing my signature showing that the debt belongs to me. They did not provide me with the information. XXXX has removed my student loans with XXXX  due to not being able to verify

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 2024-06-12 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: OH

Complaint narrative:
I was in the process of buying a vehicle already had a pre approval ask that my credit do not be ran with other companies besides the one i was pre approved for which they decided to do as they want and run my credit XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is XXXX  card for {$2000.00} current card for {$550.00}XXXX XXXX XXXX for {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am processing disputes on my credit report to delete a remove all information listed on my credit profile that has been listed as identity theft. this has caused major delays and does not follow FCRA compliance. all of the accounts listed are invalid. please delete an remove all accounts listed asap to help clear my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I have been a victim of fraud. Yesterday, while attempting to apply for a link with XXXX, an XXXX XXXX sales representative, I inadvertently shared my HSBC credit card details during a screen share session. Subsequently, an unauthorized transaction of XXXX XXXX was made to 'XXXX XXXX  '. I have already taken the precaution of blocking my HSBC credit card and have attached a screenshot for reference. date of XXXX and XXXX XXXX  I have block the card aswell and also raise the ticket, cyber complaint also done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I took advantage of a XXXX XXXX % interest balance transfer promo in XX/XX/year>. I paid {$1000.00} every month from XX/XX/year> through XX/XX/year> through automatic payments on the due date of each month 's statement ( the XXXX ). 

The final payment of {$950.00} was automatically paid on XX/XX/XXXX, the due date according to the XXXX statement. 

In confirming my final statement had a XXXX balance, I saw a {$16.00} charge for interest. I contacted Capital One to find out why and they told me the promo period expired on XX/XX/XXXX, not the XXXX. They refused to waive the interest charges. 

I have reviewed each month 's statement and there is NO information about the promotional period. All of my other credit cards with promo purchases show the balances and promo period expirations on every statement. Capital One does not. So I had no way of knowing that I should pay off the promo balance BEFORE the due date shown on my statements. 

I am attaching 3 documents : 1 ) The first statement showing the original balance ( note that there is no information about the promotional period ) 2 ) The last statement showing my last payment of {$950.00} due on XX/XX/XXXX. 
3 ) The following statement showing {$16.00} in " Interest Charges on Purchases ''. I made NO purchases. 

It even took the customer service representative XXXX minutes to figure out what was going on!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am reporting identity theft on two collection accounts on my credit report. Below is attached an affidavit. The accounts are XXXX XXXX XXXX Amount : {$6000.00} XXXX XXXX XXXX Amount : {$190.00} I have reached out to both of these companies about these accounts. i requested a signed purchase agreement with them. neither could provide a agreement that i signed with them. i have no accounts with either of these people. i have never had an acount with either company. and when i spoke to the lawyer he said not to pay them. and that they bought those accounts so by law i dont owe them anything. and them reaching out and putting on my credit is considered identity theft. neither company has provided a signed purchase agreement with them. and i just would like them off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank/PayPal Credit refuses to refund a purchase I made on XX/XX/year> for {$150.00}. I cancelled the order by emailing the merchant within 2 hours after placing the order. The merchant apparently still shipped the item to my home address, but I never received the item ordered. I've tried contacting the merchant with no response. I've filed multiple disputes with Synchrony Bank/PayPal Credit and they refuse to issue a refund for merchandise I never received. I've filed disputes with XXXX, XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX with no results supporting my conundrum. Meanwhile, Synchrony Bank/PayPal Credit continues to contact me by phone, email, & mail for payment and are adding interest & late payment fees making the total balance due {$260.00}. Now my credit rating has dropped from XXXX ( XXXX ) to XXXX ( XXXX ). I will not pay for something I never received. Synchrony Bank/PayPal Credit needs to do the right thing and refund my account to a {$0.00} balance.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This false information reporting to my credit report has been a bad impact towards my credit score

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