vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: CO

Complaint narrative:
I made two payments online drafted from my checking account for XXXX one XX/XX/23 and one XX/XX/23 each, a total of XXXX completely paying off my card. My card following the first payment was declined. The payment was not reflected so I made another payment needing to use the card out of town. I show one payment drafted XX/XX/23 and another payment drafted from my account XX/XX/23. Over the next week my card kept getting declined even though the limit was XXXX and it showed a balance of XXXX. I called customer service XX/XX/23 to ask why my card keeps getting declined when they had XXXX from my account. I was told the payment was " on hold '' conveniently payment is due XX/XX/23 and I will be charged 28.15 % in interest because the company refuses to credit my account after they have had the funds for a week. When I called I was told there was nothing they could do they were holding my account so I can not use my credit card

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 2023-05-20 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: 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. 

XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX WAS HACKED ( comment from XXXX XXXX ; received by email address XXXX ; XXXX account " XXXX '' ) Contacted XXXX  and XXXX XXXX for Possible Credit Card application pending. Called both companies on XX/XX/XXXX between XXXX XXXX  and XXXX. Spoke with rep ( XXXX ) to void application. Rep confirmed applications voided, confirmation to be mailed. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. 

Possible Credit Card application pending. Called company XX/XX/XXXX at XXXXXXXX XXXX. Spoke with rep to void application. Rep confirmed application voided, confirmation to be mailed. 

XX/XX/XXXX, XXXX XXXX XXXX 

Possible Credit Card application pending. Called company XX/XX/XXXX at XXXXXXXX XXXX also called back at XXXX XXXX. Spoke with rep to void application. Rep confirmed application voided, confirmation to be mailed. 


Credit Files Frozen on credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my TransUnion credit report. They are reporting a balance of {$5100.00} but the account is actually closed because they sold the account to XXXX and my new balance is {$3700.00}. Ive disputed multiple time but TransUnion is the only credit bureau thats saying the account is verified/accurate but XXXX and XXXX have both deleted removed XXXX from my credit report profile

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 2023-05-20 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:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XX/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 2023-05-20 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: TX

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-20 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: 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. 

XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked XXXXXXXX XXXX  to verify this debt on my account since XXXX of 2023. An investigation was started on XXXX XXXX, 2023. XXXX XXXX has still refused to handle this issue. They have disregarded every right I have as a consumer. My mext steps will be legal action. The debt was deleted from my XXXX report but still remains on my Equifax and XXXX reports. Please view attachments from prior investigation. It has been over 30 and there has been no resolve to my issue yet they keep updating this account on my credit report. IF THIS ACCOUNT IS NOT DELETED IMMEDIATELY I WILL BE TAKING THIS TO COURT. 

1006.34 Notice for validation of debts.

15 U.S. Code 1692g - Validation of debts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Company is responding with automated cookie-cutter responses ( see below ) with a demand to call. However, when calling, the Representatives pretend not to know why I am calling. This company was supposed to move my 3rd month payment to the end of my contract upon me calling per my dealership where vehicle was purchased. Suddenly late fees started showing up on my account in which I made over 10 calls trying to understand the reasons behind the late fees -- previously requested ; however, as you can see below this company is avoiding providing IN WRITING justification for the fees and has still yet to send in writing : 1 ) A ledger showing the dates and amounts of fees that now total more than {$160.00} 2 ) An UNKNOWN LATE FEE amount that was POSTED SEPARATELY on their ledge as PAST DUE but did not DETAIL for what which did not MATCH the regular payment amount plus was NOT included in the 'Late Fee ' total ( see previous complaint and screenshots below of the cookie-cutter responses from this company )! 
3 ) What other measures do I need to take to receive fair and Good Faith Effort information from this company? There are many many many complaints against Ally -- why are they still allowed to operate in the industry where they can DEMAND EXTRA MONEY WHEN THEY WANT WITHOUT EXPLAINING AND JUSTIFYING THE REASON FOR IT -- IN WRITING. This will and can not be resolved with a phone call. I would like written information DOCUMENTED regarding my concerns. I also want my credit report corrected to remove the false entries of LATE PAYMENT.

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 2023-05-20 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-20 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: 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. 

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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-20 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank has open several accounts in my name checking and savings, these accounts are fraudulent I did not open any of these accounts, I am now asking Truist to settle this matter by paying for damages, my name and information has been leaked and compromised, this information was leaked on the dark web and my information was used to give you an idea, the IRS has informed here last year XX/XX/2022 a scanner filed a fraudulent tax return in my name and tried to defraud the us government out of thousands of dollars, now I have used a identity theft pin so the IRS can identify me, Truist bank needs to settle this matter and pay me XXXX dollars for damages this has done to mg credit and the use of my information that has been used fraudulently, if not resolved I can and turn this over to an attorney, either call and resolve or I will carry this and demand arbitration, ( I Will NOT SEND MY INFORMATION, social security number or drivers license won to happen in a victim of identity theft, resolve this matter before I take legal action, its Truist responsibility to understand that this is something serious to me because what it has done to me.

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 2023-05-20 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: WI

Complaint narrative:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX***Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$58.00} XXXX XXXX  Balance Owed : $ XXXX XXXX Balance Owed : {$56.00} XXXX XXXX  Balance Owed : {$240.00} XXXX Balance Owed : {$210.00} 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 2023-05-20 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/2022 I purchased a program that was supposed to be mortgage leads, and it ended up being a scam so I disputed it. Capital one and XXXX had miscommunication and XXXX wired the money to the middleman company called XXXX XXXX XXXX has banned the gentleman who was scamming people, yet still has my money even though they say they do not have my money one minute and do the next. Both companies are claiming they don't have the money and this was a clear scam and now seems one of the companies are committing fraud or lost the funds. We were told I was getting the refund multiple times and never has happen. The last straw was XX/XX/XXXX when they said I would get my refund, and I somehow had my account " blocked '' that day ... ..This is an absolute mess and I have been paying interest on this charge since XXXX. I am extremely strict with my finances and have never not made my full payment, and this is one costing me money each month in interest, and reporting on my credit. PLEASE help me!!!!! Something is going so wrong and its been 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXX XXXX XXXXXXXX {$1400.00} has violated my rights. 


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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MicroBilt / PRBC (formerly CL Verify)
State: MA

Complaint narrative:
I checked my XXXX credit report and noticed an Inquiry dated XX/XX/XXXX from a company, Microbilt, which I never applied to for credit. The unsolicited inquiry impacts my credit report negatively and remains until XX/XX/XXXX. I work hard to protect my credit and do not appreciate unsolicited inquiries on my report. Thank you for your prompt follow up on this matter.

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 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked XXXXXXXX XXXX to verify this debt on my account since XXXXXXXX XXXX XXXX An investigation was started on XX/XX/XXXX XXXX XXXX XXXX XXXX has still refused to handle this issue. They have disregarded every right I have as a consumer. My mext steps will be legal action. The debt was deleted from my XXXX report but still remains on my XXXX and Transunion reports. Please view attachments from prior investigation. It has been over 30 and there has been no resolve to my issue yet they keep updating this account on my credit report. IF THIS ACCOUNT IS NOT DELETED IMMEDIATELY I WILL BE TAKING THIS TO COURT. 

1006.34 Notice for validation of debts.

15 U.S. Code 1692g - Validation of debts

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