vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX I purchased XXXX gift cards. XXXX of those cards have never worked. I tried to use them several times on different days, and they declined every time. I checked the cards on the gift card website, and there is no indication of any problem with the cards. When I call the company, they keep me on hold for a long time, and the person I speak with have a heavy XXXX accent, making them almost impossible to understand. They just tell me to try the cards again. I have tried the cards many times. THEY DO NOT WORK! It is very embarrassing to have my payment cards fail every time I use them. 

Card numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is with PayPal SYNCB/PAYP ending in XXXX. PayPal credit Ive had this account for years and this may be the 3rd time using it. I made a purchase with QVC to be billed on my Pay Pal account to be paid within 6 months. I also had some makeup on that same account. 
XXXX XXXX {$790.00} QVC XXXX. XXXX. 
Total PayPal. XXXX ( Should have been XXXX ) XX/XX/XXXX Paid {$260.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX QVC XXXX XXXX XXXX XX/XX/XXXX Paid XXXX conf # XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} At this point I called customer service to ask what my balance was, XXXX told me O balance. I questioned her and she told me that was correct. I called a week later another rep told me {$33.00}. I knew that wasnt right so I called again a few days later, that rep told me {$150.00}. I tried speaking to a supervisor to no avail. They would put you on hold for 10-15 minutes then it would drop the call.

I called QVC they told me I was paid in full and owed them nothing. Can you see how this got out of hand? I was more than willing to pay my bill but it seemed so deceptive that no one at PayPal had the same answer it felt smarmy. To this day I have no idea and they're just adding interest to my bill but have no real interest in solving the issue.

The other issue with PayPal is on their credit letter to me they say you have 6 months to pay but when speaking to XXXX they say NO its only 5 months. These credit card companies think the consumer is so XXXX. I had to end it there because no XXXX, XXXX or XXXX answers at PayPal were the same. 
Of course they are now acting like Im delinquent and hurting my credit score. Ive been at XXXX for most of my adulthood, now XXXX down to 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 2024-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account XXXX. XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX  account # XXXX all these accounts are fraudulent & I have filed & provided a police report as well as provided a letter of XXXX stating I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account XXXX. XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX all these accounts are fraudulent & I have filed & provided a police report as well as provided a letter of XXXX stating I was 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 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a car loan from Ally Bank from XX/XX/XXXX through approximately XX/XX/XXXX before I did a voluntary repossession for health reasons. 

I believe the interest was not computed accurately. My account has since been referred to a debt collector, XXXX XXXX XXXX who wants {$4200.00}. I am unclear on how the deficiency balance was computed because I never received any confirmation from Ally Bank about the process after I turned the car in. 

I request full transparency because this is negatively affecting my 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 2024-06-10 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered several hard inquiries that I did not authorize or initiate. These inquiries have negatively impacted my credit score and financial standing, and I request your assistance in rectifying this matter. 

Hard inquiries and the date reported on XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Please include this address, I never lived there : XXXX XXXX XXXX, GA XXXX Hard inquiries and the date reported on XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX Hard inquiries and the date reported on Equifax : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Despite my efforts to address this issue directly with the credit reporting agencies, the unauthorized hard inquiries remain on my credit report, causing ongoing distress and concern. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy of the information they report. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized hard inquiries from my credit report. Additionally, I request that the offending parties be held accountable for any violations of consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries, as well as any supporting documentation I have available. Please let me know if you require any further information to proceed with your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered several hard inquiries that I did not authorize or initiate. These inquiries have negatively impacted my credit score and financial standing, and I request your assistance in rectifying this matter. 

Hard inquiries and the date reported on XXXX : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please include this address, I never lived there : XXXX XXXX XXXX, GA XXXX Hard inquiries and the date reported on Experian : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard inquiries and the date reported on XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Despite my efforts to address this issue directly with the credit reporting agencies, the unauthorized hard inquiries remain on my credit report, causing ongoing distress and concern. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy of the information they report. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized hard inquiries from my credit report. Additionally, I request that the offending parties be held accountable for any violations of consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries, as well as any supporting documentation I have available. Please let me know if you require any further information to proceed with your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit report. 

Thank you for your time and assistance. 

Sincerely, 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENT ACCOUNTS : XXXX XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXXXXXX - 2016 "

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My mortgage was sold by XXXX to Flagstar bank and I was unaware. I noticed the monthly payment 's of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were withdrawn from my account automatically as i had set up previously, however the automatic payment was then stopped by Flagstar. I did not know they had been stopped until I was XXXX  days late. I have now updated the mailing and autopay directly through Flagstar to avoid this happening again. They refused to help me and claimed it wasn't even possible and needed to go directly through the credit report companies.

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 2024-06-10 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: 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.

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 informationisinaccurate.

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 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX alerted me to a fraudulent account where a credit account for Bank of America ( Which I have never opened an account or interacted with ) for an amount of {$13000.00}. I am currently assigned as an authorized user on the account but I never approved nor was made aware of this. After going to the local Bank of America in order to remove myself the account they informed me the account does not even exist and my information do not exist in their system. As of now I have called XXXX secure lines through XXXXXXXX XXXX fraud department and gave the fraud complaint gentleman at XXXX the last XXXX digits of my social security number. Then I called the XXXX XXXX XXXX number XXXX to confirm the information was in fact there and was asked to give my social security number in full to confirm my identity. While I doubt either of these numbers is tied to any phishing or fraud the fact that an account was opened in my name leads me to believe that my SSN was compromised and used for fraudulent purposes on XX/XX/year>. Attached are the XXXX relevant photos taken from the Data Alert tab under XXXXXXXX XXXX, as well as the relevant number I called to file a fraud complaint with.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NE

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-10 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : AFFIRM XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: MI

Complaint narrative:
In accordance with fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. Starts I have the right to privacy.

15 USC 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency May 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 antedated the report by more than seven years.

15 USC 1681a-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 what would be a fair resolution to this issue

Company response to consumer: Closed with explanation