vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This account has violated my rights ; Validate Account XXXX XXXX XXXX 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 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.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I opened an credit card account with XXXX XXXX  on or about XX/XX/XXXX. I received an unauthorized charges on the the account in XX/XX/XXXX that I did not incur. I requested a reversal of the charges XXXX XXXX  stated they would would look into the issues. On or about XX/XX/XXXX charges began incurring on the account and I began making payment but not credits were being properly accessed to account. These problems continued with the account. In XXXX of XXXX I requested a payoff amount to initiate closure of the account, because I feared the problems with the account might eventually cause problems with my credit. XXXX XXXX  refused to close the account stating the account would have to be paid in full before closure. They sent me a payoff amount and I initiated payment in full and the payment was rejected. They started charging me late fees, over limit fees, return payment fees, and this continued until XXXX. As of to XXXX no charges were made to account and I have made numerous payments and they are continued XXXX XXXX  is claiming I have no legal recourse just have to deal with the problems. Credit reporting agencies are refusing the stop the negative reporting. Please 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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I opened an credit card account with XXXX XXXX  on or about XX/XX/XXXX. I received an unauthorized charges on the the account in XX/XX/XXXX that I did not incur. I requested a reversal of the charges XXXX XXXX  stated they would would look into the issues. On or about XX/XX/XXXX charges began incurring on the account and I began making payment but not credits were being properly accessed to account. These problems continued with the account. In XXXX of XXXX I requested a payoff amount to initiate closure of the account, because I feared the problems with the account might eventually cause problems with my credit. XXXX XXXX  refused to close the account stating the account would have to be paid in full before closure. They sent me a payoff amount and I initiated payment in full and the payment was rejected. They started charging me late fees, over limit fees, return payment fees, and this continued until XXXX. As of to XXXX no charges were made to account and I have made numerous payments and they are continued XXXX XXXX  is claiming I have no legal recourse just have to deal with the problems. Credit reporting agencies are refusing the stop the negative reporting. Please 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 2024-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing to file a formal complaint against Synchrony Bank regarding the unjust closure of my Amazon store card account, ending in XXXX. On XX/XX/XXXX, I contacted Synchrony Bank 's customer service to request an increase in my credit limit. However, the interaction with the agent assigned to me was highly unsatisfactory and unprofessional. 

During the call, the Synchrony Bank representative exhibited rude and unpleasant behavior towards me. Their tone was disrespectful, and instead of addressing my request for a credit limit increase, I was compelled to request to speak with their supervisor due to the agent 's unprofessional conduct. I expressed my concerns that such behavior could lead to the closure of my account. 

Regrettably, before I could speak to a supervisor or resolve the matter, the call abruptly ended. Subsequently, when I attempted to reconnect with another agent, I was shocked to discover that my Amazon store card account had been closed without my consent or authorization. 

Since then, I have been tirelessly attempting to rectify this issue with Synchrony Bank. However, their response has been inadequate and frustrating. Despite my repeated requests for an investigation into the closure of my account and a reinstatement of the same, Synchrony Bank has continuously failed to address my concerns satisfactorily. 

Furthermore, instead of acknowledging their mistake and taking appropriate action, Synchrony Bank representatives have repeatedly informed me that I must reapply for a new account. This is utterly unacceptable and unjust. It is evident that Synchrony Bank 's staff failed to adhere to proper procedures and protocols, leading to the wrongful closure of my account. 

I feel extremely victimized by Synchrony Bank 's actions, and their refusal to acknowledge their error is causing undue distress and inconvenience. I implore the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that justice is served. 

I am fully committed to cooperating with any investigation and providing any necessary information to resolve this issue promptly. 

Thank you for your attention to this matter. I eagerly await your prompt response and action.

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 2024-05-01 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: FL

Complaint narrative:
Name on the card is my married name : XXXX XXXX XXXX On XX/XX/XXXX I was charged {$16.00} in interest, I pay my bill in full each month. The XX/XX/XXXX bill had a total of new charges of {$90.00}. I paid {$250.00} as I have a promotional 1 year zero interest facial procedure that was charged on XX/XX/XXXX, expiring at the end of XXXX XXXX that I am paying down. I assumed that in error they charged interest on the promotional balance. My last email from XXXX ( their customer service agent ) said she could not help me without explanation as to why they were not removing the incorrectly charged interest. 

It is my opinion they do it thinking no one will go to the trouble to fight for {$16.00} in interest. 

I want the interest removed.

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 2024-05-01 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: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I am unable to dispute any charges on my credit card. There is no option on the website. I am extremely XXXX and this is ridiculous.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-01 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: MD

Complaint narrative:
The 3 CRAs have been furnishing and reporting numerous accounts with many inaccuracies that I removed in the past! Now when I go back and look their reporting a Bankruptcy ( which by 15 USC 1681i ( 4 ) and 15 USC 1681 ( i ) 5 ) which Bankruptcy courts DO NOT REPORT SUCH PRIVATE INFORMATION to the CRAs and I am distraught by their actions! Also their reporting accounts that are not reporting 100 % accuracy and I will list the accounts below! 
XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion : 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 2024-05-01 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: MD

Complaint narrative:
The 3 CRAs have been furnishing and reporting numerous accounts with many inaccuracies that I removed in the past! Now when I go back and look their reporting a Bankruptcy ( which by 15 USC 1681i ( 4 ) and 15 USC 1681 ( i ) 5 ) which Bankruptcy courts DO NOT REPORT SUCH PRIVATE INFORMATION to the CRAs and I am distraught by their actions! Also their reporting accounts that are not reporting 100 % accuracy and I will list the accounts below! 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NJ

Complaint narrative:
I believe I was a victim of identity theft, and this company is capitalizing on my misfortune by reporting harmful information on my credit that's effecting my credit worthiness and business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I noticed unusaul activity such as unexplianed increase in payments XXXX occaisions a well as a returned payment with no explanation, when I requested to speak to fraud department I was refused, however an employee said of mortage company stated she felt it was wrong what was happening to me an she would email me some information regarding fradualant/unauthoried activity involving my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this account from my report. It is hurting 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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
A third party obtained a alleged debt I owe and I have absolutely no knowledge of this company nor do I have a contractual obligation to pay this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I called Pennymac on XX/XX/year> and advised them that we were having an income reduction and were looking to see what could be done so our credit was not effected. 
We were told that once we missed XXXX monthly payments that we could apply for a forbearance that would take XXXX payments and add them to the end of our loan. It would also have no effect on our credit. 
We got a letter from Pennymac stating that we had a payment due on XX/XX/XXXX. I called them to see why and was told that they agent that I spoke to on XX/XX/year> gave me the wrong information and that my credit was going to be effected and that there was no 12 month program. The person I spoke with even saw the notes that the person left on XX/XX/year> showing what she told me. This has XXXX effected our credit and even worse at a time when XXXX of our children needed a XXXX XXXX co-signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I believe I was a victim of identity theft, and this company is capitalizing on my misfortune by reporting harmful information on my credit that's effecting my credit worthiness and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit
State: MD

Complaint narrative:
I have a vehicle with Volkswagen credit in which I am current as of now XX/XX/XXXX I am writing this complaint in hopes to help remove the late payments and repossession with Volkswagen from XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX had a XXXX. Which was during the time I was experiencing hardship due to XXXX I lost my job and because we attracted the XXXX virus. I had reached out to the lender this whole time but they don't answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-01 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Chrysler Capital Hard inquiry for auto loan was added to credit report on XX/XX/2024. The reporting date appears to be XXXX XXXX. This information is inaccurate and appears to be fraud. Please remove from my credit report at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong 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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I opened an account with the app current bank, I received an email that the card was delivered I never received the card I reached out to the support team and they wanted me to verify the information I couldnt verify the information because I did not receive the card someone chnaged my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MO

Complaint narrative:
A third party obtained an alleged debt owed but I have no knowledge of this company

Company response to consumer: Closed with explanation